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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 | $68,644 | $98,776-30.5% | $149,745-54.2% | $79,856-14.0% |
| Participation rate | 68.3% | 75.8%-7.5pp | 82.5%-14.1pp | 69.6%-1.3pp |
| Annual return | 14.24% | 27.38%-13.1pp | 276.72%-262.5pp | 31.71%-17.5pp |
| Employer contribution / active EE | $1,529 | $3,217-52.5% | $4,646-67.1% | $2,471-38.1% |
| Participant deferral / active EE | $6,278 | $5,681+10.5% | $6,843-8.3% | $3,741+67.8% |
| Admin fee / account holder | $11,143 | $6,053+84.1% | $9,312+19.7% | $5,306+110.0% |