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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 | $56,268 | $65,027-13.5% | $90,970-38.1% | $79,852-29.5% |
| Participation rate | 36.4% | 61.6%-25.2pp | 69.0%-32.7pp | 69.6%-33.3pp |
| Annual return | 157.00% | 30.45%+126.5pp | 134.58%+22.4pp | 31.72%+125.3pp |
| Employer contribution / active EE | $306 | $1,247-75.5% | $2,122-85.6% | $2,471-87.6% |
| Participant deferral / active EE | $3,057 | $2,512+21.7% | $3,373-9.4% | $3,740-18.3% |
| Admin fee / account holder | $7,520 | $4,535+65.8% | $5,960+26.2% | $5,306+41.7% |