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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 | $45,763 | $111,878-59.1% | $93,727-51.2% | $145,897-68.6% |
| Participation rate | 66.7% | 74.2%-7.5pp | 68.7%-2.0pp | 80.3%-13.6pp |
| Annual return | 9.88% | 204.28%-194.4pp | 133.83%-124.0pp | 552.29%-542.4pp |
| Employer contribution / active EE | $1,439 | $3,092-53.5% | $2,421-40.6% | $4,663-69.1% |
| Participant deferral / active EE | $6,645 | $4,920+35.0% | $4,417+50.4% | $6,689-0.7% |
| Admin fee / account holder | $541 | $10,256-94.7% | $8,292-93.5% | $13,390-96.0% |