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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 | $69,139 | $132,099-47.7% | $115,599-40.2% | $138,895-50.2% |
| Participation rate | 66.7% | 77.9%-11.2pp | 74.3%-7.6pp | 79.9%-13.3pp |
| Annual return | 16.43% | 176.76%-160.3pp | 111.10%-94.7pp | 145.39%-129.0pp |
| Employer contribution / active EE | $2,002 | $3,416-41.4% | $2,955-32.3% | $4,194-52.3% |
| Participant deferral / active EE | $3,454 | $5,617-38.5% | $4,889-29.4% | $6,396-46.0% |
| Admin fee / account holder | $2,458 | $15,650-84.3% | $12,841-80.9% | $12,562-80.4% |