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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 | $20,951 | $71,197-70.6% | $93,669-77.6% | $80,925-74.1% |
| Participation rate | 58.3% | 60.4%-2.1pp | 68.7%-10.4pp | 67.7%-9.3pp |
| Annual return | 17.14% | 11.27%+5.9pp | 133.59%-116.5pp | 35.65%-18.5pp |
| Employer contribution / active EE | $7,744 | $1,565+394.9% | $2,424+219.5% | $2,756+181.0% |
| Participant deferral / active EE | $3,939 | $4,036-2.4% | $4,416-10.8% | $4,299-8.4% |
| Admin fee / account holder | $3,102 | $6,959-55.4% | $8,291-62.6% | $6,940-55.3% |