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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 | $77,325 | $102,429-24.5% | $147,096-47.4% | $80,925-4.4% |
| Participation rate | 51.6% | 75.9%-24.2pp | 82.2%-30.6pp | 67.7%-16.0pp |
| Annual return | 14.63% | 135.02%-120.4pp | 419.75%-405.1pp | 35.65%-21.0pp |
| Employer contribution / active EE | $1,348 | $3,716-63.7% | $4,936-72.7% | $2,756-51.1% |
| Participant deferral / active EE | $4,947 | $6,649-25.6% | $8,071-38.7% | $4,299+15.1% |
| Admin fee / account holder | $3,636 | $7,957-54.3% | $13,005-72.0% | $6,940-47.6% |