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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 | $63,030 | $154,193-59.1% | $130,045-51.5% | $139,466-54.8% |
| Participation rate | 63.6% | 82.0%-18.3pp | 78.5%-14.9pp | 80.3%-16.7pp |
| Annual return | 14.08% | 32.51%-18.4pp | -137.30%+151.4pp | 373.66%-359.6pp |
| Employer contribution / active EE | $3,324 | $5,292-37.2% | $4,321-23.1% | $4,754-30.1% |
| Participant deferral / active EE | $7,926 | $6,709+18.1% | $5,820+36.2% | $6,712+18.1% |
| Admin fee / account holder | $713 | $13,989-94.9% | $10,600-93.3% | $11,409-93.7% |