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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 | $82,924 | $112,121-26.0% | $95,960-13.6% | $158,966-47.8% |
| Participation rate | 68.2% | 79.0%-10.8pp | 77.1%-8.9pp | 82.0%-13.8pp |
| Annual return | 20.48% | 171.16%-150.7pp | 91.63%-71.2pp | 302.95%-282.5pp |
| Employer contribution / active EE | $1,720 | $3,199-46.2% | $2,541-32.3% | $4,762-63.9% |
| Participant deferral / active EE | $4,179 | $4,784-12.7% | $4,167+0.3% | $5,983-30.2% |
| Admin fee / account holder | $633 | $10,135-93.8% | $6,797-90.7% | $11,250-94.4% |