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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 | $72,410 | $89,367-19.0% | $141,191-48.7% | $72,975-0.8% |
| Participation rate | 52.4% | 75.1%-22.7pp | 82.5%-30.1pp | 69.5%-17.1pp |
| Annual return | 23.17% | 111.87%-88.7pp | 71.41%-48.2pp | 81.01%-57.8pp |
| Employer contribution / active EE | $2,222 | $3,115-28.7% | $4,736-53.1% | $2,440-8.9% |
| Participant deferral / active EE | $4,402 | $5,419-18.8% | $6,710-34.4% | $3,608+22.0% |
| Admin fee / account holder | $1,387 | $5,957-76.7% | $10,264-86.5% | $5,124-72.9% |