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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 | $76,555 | $115,814-33.9% | $101,275-24.4% | $158,982-51.8% |
| Participation rate | 40.0% | 79.4%-39.4pp | 75.8%-35.8pp | 82.0%-42.0pp |
| Annual return | 14.79% | 56.16%-41.4pp | 46.48%-31.7pp | 302.99%-288.2pp |
| Employer contribution / active EE | $1,872 | $4,176-55.2% | $3,660-48.9% | $4,763-60.7% |
| Participant deferral / active EE | $7,800 | $4,958+57.3% | $4,371+78.5% | $5,983+30.4% |
| Admin fee / account holder | $655 | $7,249-91.0% | $5,948-89.0% | $11,252-94.2% |