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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 | $113,810 | $110,039+3.4% | $97,260+17.0% | $145,884-22.0% |
| Participation rate | 50.0% | 75.9%-25.9pp | 72.7%-22.7pp | 80.3%-30.3pp |
| Annual return | 9.98% | 244.44%-234.5pp | 75.54%-65.6pp | 551.85%-541.9pp |
| Employer contribution / active EE | $1,332 | $3,074-56.7% | $2,721-51.0% | $4,662-71.4% |
| Participant deferral / active EE | $3,365 | $4,674-28.0% | $4,262-21.0% | $6,690-49.7% |
| Admin fee / account holder | $13,452 | $6,204+116.8% | $5,640+138.5% | $13,392+0.4% |