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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 | $66,741 | $115,810-42.4% | $101,271-34.1% | $158,966-58.0% |
| Participation rate | 61.5% | 79.4%-17.8pp | 75.8%-14.3pp | 82.0%-20.4pp |
| Annual return | 27.44% | 56.15%-28.7pp | 46.48%-19.0pp | 302.95%-275.5pp |
| Employer contribution / active EE | $1,628 | $4,175-61.0% | $3,660-55.5% | $4,762-65.8% |
| Participant deferral / active EE | $5,709 | $4,958+15.1% | $4,371+30.6% | $5,983-4.6% |
| Admin fee / account holder | $14,981 | $7,248+106.7% | $5,948+151.9% | $11,250+33.2% |