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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 | $84,246 | $105,210-19.9% | $159,487-47.2% | $85,851-1.9% |
| Participation rate | 68.7% | 75.8%-7.1pp | 82.8%-14.2pp | 69.3%-0.7pp |
| Annual return | 24.48% | 45.08%-20.6pp | 263.71%-239.2pp | 318.63%-294.2pp |
| Employer contribution / active EE | $1,929 | $3,319-41.9% | $4,831-60.1% | $2,565-24.8% |
| Participant deferral / active EE | $4,115 | $5,946-30.8% | $7,354-44.0% | $3,952+4.1% |
| Admin fee / account holder | $796 | $6,934-88.5% | $10,804-92.6% | $6,261-87.3% |