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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 | $14,782 | $100,203-85.2% | $85,240-82.7% | $145,897-89.9% |
| Participation rate | 61.5% | 74.1%-12.6pp | 67.5%-6.0pp | 80.3%-18.8pp |
| Annual return | 89.13% | 84.28%+4.8pp | 66.75%+22.4pp | 552.29%-463.2pp |
| Employer contribution / active EE | $1,458 | $3,242-55.0% | $2,735-46.7% | $4,663-68.7% |
| Participant deferral / active EE | $4,894 | $5,299-7.6% | $4,527+8.1% | $6,689-26.8% |
| Admin fee / account holder | $3,049 | $7,265-58.0% | $6,165-50.5% | $13,390-77.2% |