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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 | $79,972 | $49,896+60.3% | $80,627-0.8% | $75,173+6.4% |
| Participation rate | 60.0% | 55.3%+4.7pp | 67.0%-7.0pp | 67.2%-7.2pp |
| Annual return | 15.46% | 34.67%-19.2pp | 936.76%-921.3pp | 160.72%-145.3pp |
| Employer contribution / active EE | $999 | $1,699-41.2% | $2,723-63.3% | $2,671-62.6% |
| Participant deferral / active EE | $5,473 | $2,992+82.9% | $4,443+23.2% | $4,126+32.6% |
| Admin fee / account holder | $1,095 | $3,578-69.4% | $5,381-79.6% | $5,651-80.6% |