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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 | $80,481 | $142,426-43.5% | $115,167-30.1% | $152,909-47.4% |
| Participation rate | 50.0% | 82.4%-32.4pp | 75.9%-25.9pp | 82.5%-32.5pp |
| Annual return | 24.97% | 41.48%-16.5pp | 35.60%-10.6pp | 345.46%-320.5pp |
| Employer contribution / active EE | $2,097 | $4,011-47.7% | $3,179-34.0% | $4,764-56.0% |
| Participant deferral / active EE | $4,833 | $5,165-6.4% | $4,169+15.9% | $5,851-17.4% |
| Admin fee / account holder | $3,957 | $8,464-53.2% | $7,089-44.2% | $11,601-65.9% |