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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 | $100,840 | $39,036+158.3% | $80,784+24.8% | $85,851+17.5% |
| Participation rate | 61.3% | 41.6%+19.7pp | 54.2%+7.1pp | 69.3%-8.0pp |
| Annual return | 12.15% | 26.31%-14.2pp | 87.31%-75.2pp | 318.63%-306.5pp |
| Employer contribution / active EE | $1,026 | $722+42.1% | $1,160-11.5% | $2,565-60.0% |
| Participant deferral / active EE | $4,067 | $1,326+206.6% | $2,145+89.5% | $3,952+2.9% |
| Admin fee / account holder | $6,144 | $2,429+153.0% | $3,380+81.8% | $6,261-1.9% |