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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 | $74,564 | $102,422-27.2% | $147,117-49.3% | $80,959-7.9% |
| Participation rate | 53.2% | 75.9%-22.6pp | 82.2%-28.9pp | 67.7%-14.4pp |
| Annual return | 16.54% | 135.16%-118.6pp | 420.54%-404.0pp | 35.67%-19.1pp |
| Employer contribution / active EE | $1,906 | $3,717-48.7% | $4,932-61.4% | $2,757-30.9% |
| Participant deferral / active EE | $4,601 | $6,652-30.8% | $8,065-42.9% | $4,300+7.0% |
| Admin fee / account holder | $12,305 | $7,953+54.7% | $12,993-5.3% | $6,925+77.7% |