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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 | $68,930 | $117,895-41.5% | $102,460-32.7% | $145,897-52.8% |
| Participation rate | 45.8% | 78.6%-32.8pp | 76.5%-30.7pp | 80.3%-34.5pp |
| Annual return | 17.91% | 31.92%-14.0pp | 29.47%-11.6pp | 552.29%-534.4pp |
| Employer contribution / active EE | $1,572 | $3,619-56.6% | $3,025-48.1% | $4,663-66.3% |
| Participant deferral / active EE | $3,763 | $5,736-34.4% | $5,056-25.6% | $6,689-43.7% |
| Admin fee / account holder | $14,159 | $13,353+6.0% | $9,460+49.7% | $13,390+5.7% |