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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 | $71,398 | $106,267-32.8% | $96,520-26.0% | $139,456-48.8% |
| Participation rate | 50.0% | 77.8%-27.8pp | 74.3%-24.3pp | 80.3%-30.3pp |
| Annual return | 13.00% | 38.45%-25.5pp | 35.72%-22.7pp | 373.45%-360.4pp |
| Employer contribution / active EE | $3,134 | $4,105-23.7% | $3,739-16.2% | $4,753-34.1% |
| Participant deferral / active EE | $8,788 | $5,454+61.1% | $4,879+80.1% | $6,711+30.9% |
| Admin fee / account holder | $9,492 | $7,882+20.4% | $6,733+41.0% | $11,407-16.8% |