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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 | $78,576 | $85,766-8.4% | $136,298-42.3% | $70,126+12.1% |
| Participation rate | 63.6% | 74.2%-10.5pp | 81.9%-18.3pp | 69.5%-5.9pp |
| Annual return | 16.85% | 31.46%-14.6pp | 5156.27%-5139.4pp | 73.15%-56.3pp |
| Employer contribution / active EE | $1,347 | $2,966-54.6% | $4,696-71.3% | $2,343-42.5% |
| Participant deferral / active EE | $3,091 | $5,051-38.8% | $6,247-50.5% | $3,332-7.2% |
| Admin fee / account holder | $1,567 | $5,421-71.1% | $9,244-83.1% | $4,645-66.3% |