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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 | $114,013-31.8% | $103,693-25.0% | $155,188-49.9% |
| Participation rate | 68.4% | 75.2%-6.8pp | 72.6%-4.2pp | 80.8%-12.4pp |
| Annual return | 9.31% | 49.31%-40.0pp | 47.61%-38.3pp | 148.84%-139.5pp |
| Employer contribution / active EE | $2,132 | $3,131-31.9% | $2,920-27.0% | $4,248-49.8% |
| Participant deferral / active EE | $5,463 | $4,970+9.9% | $4,579+19.3% | $6,531-16.4% |
| Admin fee / account holder | $30,160 | $8,407+258.8% | $7,858+283.8% | $14,480+108.3% |