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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 | $72,172 | $93,345-22.7% | $119,126-39.4% | $87,485-17.5% |
| Participation rate | 45.3% | 68.7%-23.5pp | 75.8%-30.5pp | 68.9%-23.6pp |
| Annual return | 12.89% | 19.08%-6.2pp | 282.11%-269.2pp | 26.06%-13.2pp |
| Employer contribution / active EE | $2,114 | $3,172-33.4% | $4,034-47.6% | $2,596-18.6% |
| Participant deferral / active EE | $3,778 | $4,099-7.8% | $5,318-29.0% | $4,274-11.6% |
| Admin fee / account holder | $2,150 | $8,039-73.2% | $10,693-79.9% | $7,775-72.3% |