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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 | $76,220 | $102,429-25.6% | $147,096-48.2% | $80,925-5.8% |
| Participation rate | 51.6% | 75.9%-24.2pp | 82.2%-30.5pp | 67.7%-16.0pp |
| Annual return | 14.24% | 135.02%-120.8pp | 419.75%-405.5pp | 35.65%-21.4pp |
| Employer contribution / active EE | $1,992 | $3,716-46.4% | $4,936-59.6% | $2,756-27.7% |
| Participant deferral / active EE | $4,190 | $6,649-37.0% | $8,071-48.1% | $4,299-2.5% |
| Admin fee / account holder | $12,271 | $7,957+54.2% | $13,005-5.6% | $6,940+76.8% |