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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 | $59,555 | $154,193-61.4% | $130,045-54.2% | $139,466-57.3% |
| Participation rate | 69.2% | 82.0%-12.7pp | 78.5%-9.3pp | 80.3%-11.1pp |
| Annual return | 19.08% | 32.51%-13.4pp | -137.30%+156.4pp | 373.66%-354.6pp |
| Employer contribution / active EE | $1,938 | $5,292-63.4% | $4,321-55.2% | $4,754-59.2% |
| Participant deferral / active EE | $7,176 | $6,709+7.0% | $5,820+23.3% | $6,712+6.9% |
| Admin fee / account holder | $5,175 | $13,989-63.0% | $10,600-51.2% | $11,409-54.6% |