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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 | $68,717 | $118,877-42.2% | $96,570-28.8% | $167,536-59.0% |
| Participation rate | 66.7% | 75.5%-8.8pp | 69.8%-3.2pp | 82.1%-15.4pp |
| Annual return | 16.97% | 50.50%-33.5pp | 37.79%-20.8pp | 478.82%-461.8pp |
| Employer contribution / active EE | $1,844 | $3,121-40.9% | $2,357-21.8% | $4,839-61.9% |
| Participant deferral / active EE | $2,305 | $4,617-50.1% | $3,849-40.1% | $6,342-63.7% |
| Admin fee / account holder | $309 | $8,069-96.2% | $6,182-95.0% | $12,315-97.5% |