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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 | $59,056 | $157,304-62.5% | $141,197-58.2% | $152,909-61.4% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 16.62% | 64.34%-47.7pp | 71.41%-54.8pp | 345.46%-328.8pp |
| Employer contribution / active EE | $8,444 | $5,263+60.5% | $4,736+78.3% | $4,764+77.3% |
| Participant deferral / active EE | $4,250 | $7,111-40.2% | $6,710-36.7% | $5,851-27.4% |
| Admin fee / account holder | $530 | $12,126-95.6% | $10,265-94.8% | $11,601-95.4% |