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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 | $68,018 | $49,976+36.1% | $66,674+2.0% | $82,637-17.7% |
| Participation rate | 24.4% | 63.1%-38.7pp | 73.7%-49.3pp | 68.1%-43.7pp |
| Annual return | 28.36% | 39.09%-10.7pp | 321.24%-292.9pp | 53.51%-25.1pp |
| Employer contribution / active EE | $1,008 | $1,988-49.3% | $2,620-61.5% | $2,552-60.5% |
| Participant deferral / active EE | $2,252 | $2,847-20.9% | $4,084-44.9% | $4,126-45.4% |
| Admin fee / account holder | $1,327 | $4,594-71.1% | $5,098-74.0% | $7,339-81.9% |