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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 | $73,739 | $54,690+34.8% | $76,030-3.0% | $74,478-1.0% |
| Participation rate | 35.3% | 60.3%-25.0pp | 69.1%-33.7pp | 67.2%-31.9pp |
| Annual return | 11.09% | 31.92%-20.8pp | 361.54%-350.4pp | 1370.56%-1359.5pp |
| Employer contribution / active EE | $1,196 | $1,781-32.9% | $2,688-55.5% | $2,626-54.5% |
| Participant deferral / active EE | $2,268 | $3,070-26.1% | $4,257-46.7% | $4,350-47.9% |
| Admin fee / account holder | $5,855 | $2,240+161.4% | $6,421-8.8% | $1,946+200.9% |