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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 | $84,872 | $107,353-20.9% | $92,903-8.6% | $152,885-44.5% |
| Participation rate | 50.0% | 79.8%-29.8pp | 76.0%-26.0pp | 82.5%-32.5pp |
| Annual return | 19.82% | 145.62%-125.8pp | 109.43%-89.6pp | 345.39%-325.6pp |
| Employer contribution / active EE | $1,011 | $4,222-76.1% | $3,653-72.3% | $4,763-78.8% |
| Participant deferral / active EE | $8,625 | $4,848+77.9% | $4,238+103.5% | $5,851+47.4% |
| Admin fee / account holder | $9,345 | $7,081+32.0% | $5,795+61.3% | $11,598-19.4% |