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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 | $52,314 | $124,346-57.9% | $111,306-53.0% | $167,553-68.8% |
| Participation rate | 65.0% | 79.6%-14.6pp | 77.3%-12.3pp | 82.1%-17.1pp |
| Annual return | 15.00% | 37.46%-22.5pp | 54.67%-39.7pp | 478.89%-463.9pp |
| Employer contribution / active EE | $900 | $3,438-73.8% | $2,732-67.0% | $4,840-81.4% |
| Participant deferral / active EE | $4,361 | $5,182-15.8% | $4,488-2.8% | $6,343-31.2% |
| Admin fee / account holder | $7,459 | $10,623-29.8% | $7,966-6.4% | $12,316-39.4% |