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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 | $110,065 | $85,766+28.3% | $136,298-19.2% | $70,126+57.0% |
| Participation rate | 49.3% | 74.2%-24.9pp | 81.9%-32.6pp | 69.5%-20.2pp |
| Annual return | 14.59% | 31.46%-16.9pp | 5156.27%-5141.7pp | 73.15%-58.6pp |
| Employer contribution / active EE | $558 | $2,966-81.2% | $4,696-88.1% | $2,343-76.2% |
| Participant deferral / active EE | $4,953 | $5,051-1.9% | $6,247-20.7% | $3,332+48.7% |
| Admin fee / account holder | $1,725 | $5,421-68.2% | $9,244-81.3% | $4,645-62.9% |