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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 | $130,396 | $183,592-29.0% | $155,567-16.2% | $145,959-10.7% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 12.23% | 61.24%-49.0pp | 64.74%-52.5pp | 561.95%-549.7pp |
| Employer contribution / active EE | $1,224 | $5,315-77.0% | $4,674-73.8% | $4,661-73.7% |
| Participant deferral / active EE | $8,575 | $6,464+32.6% | $5,628+52.4% | $6,689+28.2% |
| Admin fee / account holder | $13,910 | $19,318-28.0% | $15,916-12.6% | $13,398+3.8% |