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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 | $68,619 | $56,116+22.3% | $135,768-49.5% | $86,983-21.1% |
| Participation rate | 29.3% | 60.1%-30.8pp | 71.1%-41.8pp | 69.5%-40.2pp |
| Annual return | 15.18% | 125.33%-110.2pp | 526.10%-510.9pp | 25.83%-10.7pp |
| Employer contribution / active EE | $1,309 | $1,528-14.3% | $3,394-61.4% | $2,584-49.4% |
| Participant deferral / active EE | $2,527 | $2,690-6.1% | $3,977-36.5% | $4,194-39.7% |
| Admin fee / account holder | $368 | $4,314-91.5% | $7,048-94.8% | $7,856-95.3% |