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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 | $69,676 | $110,039-36.7% | $97,260-28.4% | $145,884-52.2% |
| Participation rate | 40.0% | 75.9%-35.9pp | 72.7%-32.7pp | 80.3%-40.3pp |
| Annual return | 12.87% | 244.44%-231.6pp | 75.54%-62.7pp | 551.85%-539.0pp |
| Employer contribution / active EE | $922 | $3,074-70.0% | $2,721-66.1% | $4,662-80.2% |
| Participant deferral / active EE | $9,445 | $4,674+102.1% | $4,262+121.6% | $6,690+41.2% |
| Admin fee / account holder | $376 | $6,204-93.9% | $5,640-93.3% | $13,392-97.2% |