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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 | $61,776 | $125,190-50.7% | $105,624-41.5% | $145,897-57.7% |
| Participation rate | 68.2% | 77.6%-9.5pp | 75.3%-7.1pp | 80.3%-12.1pp |
| Annual return | 12.08% | 225.22%-213.1pp | 116.20%-104.1pp | 552.29%-540.2pp |
| Employer contribution / active EE | $1,443 | $3,720-61.2% | $3,168-54.5% | $4,663-69.1% |
| Participant deferral / active EE | $4,564 | $5,716-20.2% | $5,013-9.0% | $6,689-31.8% |
| Admin fee / account holder | $2,790 | $17,138-83.7% | $10,961-74.5% | $13,390-79.2% |