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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $98,498 | $107,941-8.7% | $91,994+7.1% | $152,909-35.6% |
| Participation rate | 54.5% | 81.2%-26.6pp | 78.6%-24.1pp | 82.5%-27.9pp |
| Annual return | 18.15% | 89.28%-71.1pp | 69.04%-50.9pp | 345.46%-327.3pp |
| Employer contribution / active EE | $8,104 | $4,212+92.4% | $3,453+134.7% | $4,764+70.1% |
| Participant deferral / active EE | $4,732 | $6,366-25.7% | $5,924-20.1% | $5,851-19.1% |
| Admin fee / account holder | $761 | $10,521-92.8% | $7,744-90.2% | $11,601-93.4% |