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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 | $68,690 | $115,225-40.4% | $100,712-31.8% | $138,895-50.5% |
| Participation rate | 62.5% | 74.3%-11.8pp | 69.3%-6.8pp | 79.9%-17.4pp |
| Annual return | 50.76% | 40.35%+10.4pp | 33.27%+17.5pp | 145.39%-94.6pp |
| Employer contribution / active EE | $1,601 | $2,771-42.2% | $2,313-30.8% | $4,194-61.8% |
| Participant deferral / active EE | $4,051 | $4,699-13.8% | $4,085-0.8% | $6,396-36.7% |
| Admin fee / account holder | $824 | $10,844-92.4% | $9,256-91.1% | $12,562-93.4% |