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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 | $50,719 | $102,422-50.5% | $147,117-65.5% | $80,959-37.4% |
| Participation rate | 63.8% | 75.9%-12.1pp | 82.2%-18.4pp | 67.7%-3.9pp |
| Annual return | 17.37% | 135.16%-117.8pp | 420.54%-403.2pp | 35.67%-18.3pp |
| Employer contribution / active EE | $1,996 | $3,717-46.3% | $4,932-59.5% | $2,757-27.6% |
| Participant deferral / active EE | $4,602 | $6,652-30.8% | $8,065-42.9% | $4,300+7.0% |
| Admin fee / account holder | $7,999 | $7,953+0.6% | $12,993-38.4% | $6,925+15.5% |