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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 | $77,726 | $154,209-49.6% | $130,062-40.2% | $139,487-44.3% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.5%-11.8pp | 80.3%-13.7pp |
| Annual return | 17.63% | 32.52%-14.9pp | -137.37%+155.0pp | 373.84%-356.2pp |
| Employer contribution / active EE | $1,568 | $5,292-70.4% | $4,322-63.7% | $4,755-67.0% |
| Participant deferral / active EE | $4,010 | $6,709-40.2% | $5,821-31.1% | $6,713-40.3% |
| Admin fee / account holder | $932 | $13,988-93.3% | $10,601-91.2% | $11,407-91.8% |