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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 | $61,989 | $102,385-39.5% | $147,080-57.9% | $80,935-23.4% |
| Participation rate | 64.1% | 75.9%-11.8pp | 82.2%-18.1pp | 67.7%-3.6pp |
| Annual return | 21.31% | 135.09%-113.8pp | 420.17%-398.9pp | 35.66%-14.3pp |
| Employer contribution / active EE | $3,618 | $3,717-2.7% | $4,933-26.7% | $2,757+31.2% |
| Participant deferral / active EE | $7,859 | $6,651+18.2% | $8,066-2.6% | $4,299+82.8% |
| Admin fee / account holder | $1,728 | $7,951-78.3% | $12,989-86.7% | $6,924-75.0% |