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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 | $67,247 | $81,504-17.5% | $102,437-34.4% | $80,959-16.9% |
| Participation rate | 20.0% | 66.9%-46.9pp | 74.5%-54.5pp | 67.7%-47.7pp |
| Annual return | 96.89% | 25.60%+71.3pp | 24.95%+71.9pp | 35.67%+61.2pp |
| Employer contribution / active EE | $995 | $3,104-67.9% | $3,871-74.3% | $2,757-63.9% |
| Participant deferral / active EE | $2,016 | $3,871-47.9% | $5,060-60.2% | $4,300-53.1% |
| Admin fee / account holder | $4,095 | $6,719-39.1% | $8,388-51.2% | $6,925-40.9% |