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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 | $60,208 | $89,370-32.6% | $141,197-57.4% | $72,976-17.5% |
| Participation rate | 66.7% | 75.1%-8.5pp | 82.5%-15.8pp | 69.5%-2.8pp |
| Annual return | 23.84% | 111.88%-88.0pp | 71.41%-47.6pp | 81.02%-57.2pp |
| Employer contribution / active EE | $895 | $3,115-71.3% | $4,736-81.1% | $2,440-63.3% |
| Participant deferral / active EE | $10,524 | $5,419+94.2% | $6,710+56.8% | $3,608+191.7% |
| Admin fee / account holder | $14,193 | $5,957+138.3% | $10,265+38.3% | $5,124+177.0% |