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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 | $111,232 | $157,304-29.3% | $141,197-21.2% | $152,909-27.3% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 30.38% | 64.34%-34.0pp | 71.41%-41.0pp | 345.46%-315.1pp |
| Employer contribution / active EE | $2,294 | $5,263-56.4% | $4,736-51.6% | $4,764-51.8% |
| Participant deferral / active EE | $7,954 | $7,111+11.8% | $6,710+18.5% | $5,851+35.9% |
| Admin fee / account holder | $1,139 | $12,126-90.6% | $10,265-88.9% | $11,601-90.2% |