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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 | $44,460 | $102,429-56.6% | $147,096-69.8% | $80,925-45.1% |
| Participation rate | 69.3% | 75.9%-6.5pp | 82.2%-12.8pp | 67.7%+1.7pp |
| Annual return | 17.83% | 135.02%-117.2pp | 419.75%-401.9pp | 35.65%-17.8pp |
| Employer contribution / active EE | $3,185 | $3,716-14.3% | $4,936-35.5% | $2,756+15.6% |
| Participant deferral / active EE | $5,715 | $6,649-14.0% | $8,071-29.2% | $4,299+33.0% |
| Admin fee / account holder | $4,639 | $7,957-41.7% | $13,005-64.3% | $6,940-33.2% |