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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 | $78,442 | $112,121-30.0% | $95,960-18.3% | $158,966-50.7% |
| Participation rate | 45.0% | 79.0%-34.0pp | 77.1%-32.1pp | 82.0%-37.0pp |
| Annual return | 16.67% | 171.16%-154.5pp | 91.63%-75.0pp | 302.95%-286.3pp |
| Employer contribution / active EE | $1,749 | $3,199-45.3% | $2,541-31.2% | $4,762-63.3% |
| Participant deferral / active EE | $7,549 | $4,784+57.8% | $4,167+81.2% | $5,983+26.2% |
| Admin fee / account holder | $13,049 | $10,135+28.8% | $6,797+92.0% | $11,250+16.0% |