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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 | $68,753 | $70,684-2.7% | $169,390-59.4% | $75,173-8.5% |
| Participation rate | 39.6% | 64.8%-25.2pp | 77.2%-37.6pp | 67.2%-27.6pp |
| Annual return | 20.75% | 36.38%-15.6pp | 406.07%-385.3pp | 160.72%-140.0pp |
| Employer contribution / active EE | $1,027 | $2,211-53.5% | $4,013-74.4% | $2,671-61.5% |
| Participant deferral / active EE | $1,608 | $4,310-62.7% | $6,222-74.2% | $4,126-61.0% |
| Admin fee / account holder | $6,801 | $5,404+25.8% | $9,015-24.6% | $5,651+20.4% |