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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 | $71,601 | $124,346-42.4% | $111,306-35.7% | $167,553-57.3% |
| Participation rate | 60.0% | 79.6%-19.6pp | 77.3%-17.3pp | 82.1%-22.1pp |
| Annual return | 18.41% | 37.46%-19.1pp | 54.67%-36.3pp | 478.89%-460.5pp |
| Employer contribution / active EE | $1,155 | $3,438-66.4% | $2,732-57.7% | $4,840-76.1% |
| Participant deferral / active EE | $4,157 | $5,182-19.8% | $4,488-7.4% | $6,343-34.5% |
| Admin fee / account holder | $4,546 | $10,623-57.2% | $7,966-42.9% | $12,316-63.1% |