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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 | $69,978 | $89,259-21.6% | $107,187-34.7% | $82,637-15.3% |
| Participation rate | 50.7% | 67.9%-17.2pp | 75.0%-24.3pp | 68.1%-17.3pp |
| Annual return | 16.07% | 21.02%-5.0pp | 204.55%-188.5pp | 53.51%-37.4pp |
| Employer contribution / active EE | $2,477 | $3,080-19.6% | $3,782-34.5% | $2,552-2.9% |
| Participant deferral / active EE | $4,396 | $4,037+8.9% | $5,096-13.7% | $4,126+6.5% |
| Admin fee / account holder | $3,080 | $7,381-58.3% | $9,162-66.4% | $7,339-58.0% |