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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 | $56,769 | $102,422-44.6% | $147,117-61.4% | $80,959-29.9% |
| Participation rate | 53.8% | 75.9%-22.0pp | 82.2%-28.3pp | 67.7%-13.8pp |
| Annual return | 13.93% | 135.16%-121.2pp | 420.54%-406.6pp | 35.67%-21.7pp |
| Employer contribution / active EE | $2,982 | $3,717-19.8% | $4,932-39.6% | $2,757+8.1% |
| Participant deferral / active EE | $7,142 | $6,652+7.4% | $8,065-11.4% | $4,300+66.1% |
| Admin fee / account holder | $9,837 | $7,953+23.7% | $12,993-24.3% | $6,925+42.0% |