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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 | $68,849 | $85,766-19.7% | $136,298-49.5% | $70,126-1.8% |
| Participation rate | 52.9% | 74.2%-21.2pp | 81.9%-29.0pp | 69.5%-16.6pp |
| Annual return | 17.13% | 31.46%-14.3pp | 5156.27%-5139.1pp | 73.15%-56.0pp |
| Employer contribution / active EE | $2,809 | $2,966-5.3% | $4,696-40.2% | $2,343+19.9% |
| Participant deferral / active EE | $4,892 | $5,051-3.2% | $6,247-21.7% | $3,332+46.8% |
| Admin fee / account holder | $2,302 | $5,421-57.5% | $9,244-75.1% | $4,645-50.4% |