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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 | $58,886 | $48,011+22.7% | $63,803-7.7% | $82,637-28.7% |
| Participation rate | 28.9% | 66.6%-37.6pp | 72.7%-43.8pp | 68.1%-39.1pp |
| Annual return | 14.86% | 19.84%-5.0pp | 543.72%-528.9pp | 53.51%-38.6pp |
| Employer contribution / active EE | $862 | $1,904-54.7% | $2,532-66.0% | $2,552-66.2% |
| Participant deferral / active EE | $1,565 | $2,846-45.0% | $3,843-59.3% | $4,126-62.1% |
| Admin fee / account holder | $11,738 | $3,873+203.0% | $5,196+125.9% | $7,339+59.9% |