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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 | $70,445 | $102,422-31.2% | $147,117-52.1% | $80,959-13.0% |
| Participation rate | 62.4% | 75.9%-13.5pp | 82.2%-19.8pp | 67.7%-5.3pp |
| Annual return | 15.37% | 135.16%-119.8pp | 420.54%-405.2pp | 35.67%-20.3pp |
| Employer contribution / active EE | $897 | $3,717-75.9% | $4,932-81.8% | $2,757-67.5% |
| Participant deferral / active EE | $4,954 | $6,652-25.5% | $8,065-38.6% | $4,300+15.2% |
| Admin fee / account holder | $1,713 | $7,953-78.5% | $12,993-86.8% | $6,925-75.3% |