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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 | $70,923 | $98,776-28.2% | $149,745-52.6% | $79,856-11.2% |
| Participation rate | 63.6% | 75.8%-12.2pp | 82.5%-18.8pp | 69.6%-6.0pp |
| Annual return | 20.34% | 27.38%-7.0pp | 276.72%-256.4pp | 31.71%-11.4pp |
| Employer contribution / active EE | $2,118 | $3,217-34.2% | $4,646-54.4% | $2,471-14.3% |
| Participant deferral / active EE | $5,128 | $5,681-9.7% | $6,843-25.1% | $3,741+37.1% |
| Admin fee / account holder | $659 | $6,053-89.1% | $9,312-92.9% | $5,306-87.6% |