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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 | $77,755 | $157,829-50.7% | $136,867-43.2% | $198,609-60.9% |
| Participation rate | 68.4% | 77.2%-8.8pp | 74.5%-6.1pp | 82.4%-14.0pp |
| Annual return | 9.31% | 51.25%-41.9pp | 42.97%-33.7pp | 202.70%-193.4pp |
| Employer contribution / active EE | $2,132 | $3,923-45.7% | $3,547-39.9% | $5,055-57.8% |
| Participant deferral / active EE | $5,463 | $5,4630% | $4,924+11.0% | $6,977-21.7% |
| Admin fee / account holder | $30,160 | $11,107+171.5% | $10,340+191.7% | $19,030+58.5% |