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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 | $84,240 | $77,157+9.2% | $108,405-22.3% | $85,851-1.9% |
| Participation rate | 66.7% | 74.7%-8.0pp | 80.1%-13.5pp | 69.3%-2.7pp |
| Annual return | 18.16% | 44.55%-26.4pp | 905.55%-887.4pp | 318.63%-300.5pp |
| Employer contribution / active EE | $1,622 | $2,379-31.8% | $3,559-54.4% | $2,565-36.8% |
| Participant deferral / active EE | $3,308 | $5,567-40.6% | $6,563-49.6% | $3,952-16.3% |
| Admin fee / account holder | $418 | $5,174-91.9% | $7,297-94.3% | $6,261-93.3% |