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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 | $69,766 | $118,869-41.3% | $96,575-27.8% | $167,518-58.4% |
| Participation rate | 55.6% | 75.5%-19.9pp | 69.8%-14.3pp | 82.1%-26.6pp |
| Annual return | 9.33% | 50.49%-41.2pp | 37.79%-28.5pp | 478.71%-469.4pp |
| Employer contribution / active EE | $1,944 | $3,120-37.7% | $2,357-17.5% | $4,838-59.8% |
| Participant deferral / active EE | $3,047 | $4,616-34.0% | $3,849-20.8% | $6,342-52.0% |
| Admin fee / account holder | $10,038 | $8,067+24.4% | $6,182+62.4% | $12,312-18.5% |