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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 | $68,523 | $81,208-15.6% | $98,920-30.7% | $79,852-14.2% |
| Participation rate | 44.0% | 72.5%-28.5pp | 76.0%-32.0pp | 69.6%-25.6pp |
| Annual return | 17.82% | 60.99%-43.2pp | 196.47%-178.7pp | 31.72%-13.9pp |
| Employer contribution / active EE | $688 | $1,960-64.9% | $2,689-74.4% | $2,471-72.2% |
| Participant deferral / active EE | $3,543 | $3,265+8.5% | $4,245-16.5% | $3,740-5.3% |
| Admin fee / account holder | $2,131 | $6,013-64.6% | $6,643-67.9% | $5,306-59.8% |