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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 | $78,629 | $152,619-48.5% | $125,195-37.2% | $152,909-48.6% |
| Participation rate | 68.8% | 83.3%-14.6pp | 79.8%-11.0pp | 82.5%-13.7pp |
| Annual return | 32.18% | 54.85%-22.7pp | 43.79%-11.6pp | 345.46%-313.3pp |
| Employer contribution / active EE | $2,750 | $4,947-44.4% | $3,866-28.9% | $4,764-42.3% |
| Participant deferral / active EE | $5,705 | $5,869-2.8% | $4,937+15.5% | $5,851-2.5% |
| Admin fee / account holder | $13,385 | $13,437-0.4% | $9,704+37.9% | $11,601+15.4% |