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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 | $89,664 | $129,737-30.9% | $119,126-24.7% | $154,746-42.1% |
| Participation rate | 62.5% | 78.9%-16.4pp | 75.8%-13.3pp | 80.7%-18.2pp |
| Annual return | 16.40% | 379.08%-362.7pp | 282.11%-265.7pp | 172.34%-155.9pp |
| Employer contribution / active EE | $2,733 | $4,375-37.5% | $4,034-32.2% | $4,379-37.6% |
| Participant deferral / active EE | $8,441 | $5,842+44.5% | $5,318+58.7% | $6,730+25.4% |
| Admin fee / account holder | $4,856 | $11,961-59.4% | $10,693-54.6% | $14,365-66.2% |