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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 | $81,564 | $63,346+28.8% | $92,240-11.6% | $70,126+16.3% |
| Participation rate | 40.9% | 68.7%-27.8pp | 76.5%-35.6pp | 69.5%-28.6pp |
| Annual return | 15.54% | 530.19%-514.6pp | 176.29%-160.8pp | 73.15%-57.6pp |
| Employer contribution / active EE | $1,112 | $2,471-55.0% | $3,680-69.8% | $2,343-52.5% |
| Participant deferral / active EE | $2,955 | $2,854+3.6% | $3,897-24.2% | $3,332-11.3% |
| Admin fee / account holder | $1,134 | $3,841-70.5% | $5,194-78.2% | $4,645-75.6% |