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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 | $70,249 | $103,038-31.8% | $90,324-22.2% | $152,909-54.1% |
| Participation rate | 60.0% | 75.9%-15.9pp | 73.3%-13.3pp | 82.5%-22.5pp |
| Annual return | 21.65% | 95.25%-73.6pp | 78.15%-56.5pp | 345.46%-323.8pp |
| Employer contribution / active EE | $1,056 | $3,141-66.4% | $2,856-63.0% | $4,764-77.8% |
| Participant deferral / active EE | $3,889 | $4,282-9.2% | $3,885+0.1% | $5,851-33.5% |
| Admin fee / account holder | $311 | $6,177-95.0% | $5,356-94.2% | $11,601-97.3% |