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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 | $61,198 | $102,385-40.2% | $147,080-58.4% | $80,935-24.4% |
| Participation rate | 65.1% | 75.9%-10.8pp | 82.2%-17.1pp | 67.7%-2.5pp |
| Annual return | 13.84% | 135.09%-121.3pp | 420.17%-406.3pp | 35.66%-21.8pp |
| Employer contribution / active EE | $2,300 | $3,717-38.1% | $4,933-53.4% | $2,757-16.6% |
| Participant deferral / active EE | $5,369 | $6,651-19.3% | $8,066-33.4% | $4,299+24.9% |
| Admin fee / account holder | $3,581 | $7,951-55.0% | $12,989-72.4% | $6,924-48.3% |