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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 | $117,829-41.5% | $102,423-32.7% | $145,877-52.7% |
| Participation rate | 45.8% | 78.6%-32.8pp | 76.5%-30.7pp | 80.3%-34.5pp |
| Annual return | 17.91% | 31.83%-13.9pp | 29.42%-11.5pp | 551.28%-533.4pp |
| Employer contribution / active EE | $1,572 | $3,615-56.5% | $3,023-48.0% | $4,663-66.3% |
| Participant deferral / active EE | $3,763 | $5,732-34.3% | $5,054-25.5% | $6,691-43.8% |
| Admin fee / account holder | $14,159 | $13,335+6.2% | $9,455+49.8% | $13,402+5.6% |