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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 | $68,805 | $56,134+22.6% | $96,171-28.5% | $85,847-19.9% |
| Participation rate | 27.7% | 56.7%-29.0pp | 68.4%-40.7pp | 69.3%-41.6pp |
| Annual return | 44.43% | 42.30%+2.1pp | 192.04%-147.6pp | 318.61%-274.2pp |
| Employer contribution / active EE | $944 | $1,620-41.7% | $2,799-66.3% | $2,565-63.2% |
| Participant deferral / active EE | $2,365 | $2,858-17.2% | $4,350-45.6% | $3,952-40.2% |
| Admin fee / account holder | $1,347 | $3,769-64.3% | $5,538-75.7% | $6,261-78.5% |