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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 | $58,241+24.2% | $81,780-11.5% | $80,911-10.6% |
| Participation rate | 39.4% | 63.4%-24.1pp | 72.4%-33.0pp | 67.6%-28.3pp |
| Annual return | 13.94% | 41.73%-27.8pp | 776.27%-762.3pp | 35.63%-21.7pp |
| Employer contribution / active EE | $1,082 | $2,343-53.8% | $2,914-62.9% | $2,756-60.7% |
| Participant deferral / active EE | $2,723 | $3,283-17.1% | $4,321-37.0% | $4,297-36.6% |
| Admin fee / account holder | $8,209 | $4,973+65.1% | $7,384+11.2% | $6,935+18.4% |