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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 | $72,337 | $58,258+24.2% | $81,820-11.6% | $80,925-10.6% |
| Participation rate | 39.4% | 63.5%-24.1pp | 72.4%-33.0pp | 67.7%-28.3pp |
| Annual return | 13.94% | 41.76%-27.8pp | 777.93%-764.0pp | 35.65%-21.7pp |
| Employer contribution / active EE | $1,082 | $2,345-53.9% | $2,915-62.9% | $2,756-60.7% |
| Participant deferral / active EE | $2,723 | $3,284-17.1% | $4,323-37.0% | $4,299-36.7% |
| Admin fee / account holder | $8,209 | $4,976+65.0% | $7,391+11.1% | $6,940+18.3% |