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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 | $76,462 | $89,259-14.3% | $107,187-28.7% | $82,637-7.5% |
| Participation rate | 57.5% | 67.9%-10.4pp | 75.0%-17.5pp | 68.1%-10.6pp |
| Annual return | 20.03% | 21.02%-1.0pp | 204.55%-184.5pp | 53.51%-33.5pp |
| Employer contribution / active EE | $6,388 | $3,080+107.4% | $3,782+68.9% | $2,552+150.3% |
| Participant deferral / active EE | $2,080 | $4,037-48.5% | $5,096-59.2% | $4,126-49.6% |
| Admin fee / account holder | $799 | $7,381-89.2% | $9,162-91.3% | $7,339-89.1% |