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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 | $58,798 | $102,422-42.6% | $147,117-60.0% | $80,959-27.4% |
| Participation rate | 62.1% | 75.9%-13.8pp | 82.2%-20.1pp | 67.7%-5.6pp |
| Annual return | 22.46% | 135.16%-112.7pp | 420.54%-398.1pp | 35.67%-13.2pp |
| Employer contribution / active EE | $2,775 | $3,717-25.4% | $4,932-43.7% | $2,757+0.6% |
| Participant deferral / active EE | $4,420 | $6,652-33.6% | $8,065-45.2% | $4,300+2.8% |
| Admin fee / account holder | $437 | $7,953-94.5% | $12,993-96.6% | $6,925-93.7% |