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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 | $67,243 | $197,637-66.0% | $177,848-62.2% | $158,982-57.7% |
| Participation rate | 50.0% | 88.5%-38.5pp | 87.7%-37.7pp | 82.0%-32.0pp |
| Annual return | 23.83% | 58.77%-34.9pp | 48.33%-24.5pp | 302.99%-279.2pp |
| Employer contribution / active EE | $3,215 | $6,698-52.0% | $5,919-45.7% | $4,763-32.5% |
| Participant deferral / active EE | $4,773 | $8,405-43.2% | $7,714-38.1% | $5,983-20.2% |
| Admin fee / account holder | $6,973 | $15,406-54.7% | $12,431-43.9% | $11,252-38.0% |