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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 | $79,954 | $126,113-36.6% | $116,096-31.1% | $155,188-48.5% |
| Participation rate | 54.5% | 75.1%-20.6pp | 73.3%-18.8pp | 80.8%-26.3pp |
| Annual return | 22.50% | 391.72%-369.2pp | 326.25%-303.7pp | 148.84%-126.3pp |
| Employer contribution / active EE | $1,888 | $2,672-29.3% | $2,503-24.6% | $4,248-55.6% |
| Participant deferral / active EE | $4,421 | $4,162+6.2% | $3,952+11.9% | $6,531-32.3% |
| Admin fee / account holder | $702 | $8,045-91.3% | $7,704-90.9% | $14,480-95.2% |