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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 | $58,648 | $96,731-39.4% | $123,973-52.7% | $86,983-32.6% |
| Participation rate | 64.2% | 70.0%-5.9pp | 76.7%-12.5pp | 69.5%-5.4pp |
| Annual return | 16.66% | 17.33%-0.7pp | 388.13%-371.5pp | 25.83%-9.2pp |
| Employer contribution / active EE | $1,789 | $3,297-45.7% | $4,126-56.6% | $2,584-30.8% |
| Participant deferral / active EE | $4,377 | $4,152+5.4% | $5,247-16.6% | $4,194+4.4% |
| Admin fee / account holder | $1,848 | $8,722-78.8% | $11,799-84.3% | $7,856-76.5% |