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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 | $60,968 | $65,555-7.0% | $86,216-29.3% | $75,173-18.9% |
| Participation rate | 60.9% | 60.5%+0.4pp | 69.0%-8.1pp | 67.2%-6.3pp |
| Annual return | 16.58% | 46.07%-29.5pp | 1169.42%-1152.8pp | 160.72%-144.1pp |
| Employer contribution / active EE | $2,139 | $1,553+37.7% | $2,382-10.2% | $2,671-19.9% |
| Participant deferral / active EE | $4,256 | $3,023+40.8% | $3,986+6.8% | $4,126+3.1% |
| Admin fee / account holder | $4,106 | $5,469-24.9% | $6,853-40.1% | $5,651-27.3% |