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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 | $51,838 | $102,422-49.4% | $147,117-64.8% | $80,959-36.0% |
| Participation rate | 68.0% | 75.9%-7.9pp | 82.2%-14.2pp | 67.7%+0.3pp |
| Annual return | 17.08% | 135.16%-118.1pp | 420.54%-403.5pp | 35.67%-18.6pp |
| Employer contribution / active EE | $1,945 | $3,717-47.7% | $4,932-60.6% | $2,757-29.4% |
| Participant deferral / active EE | $6,550 | $6,652-1.5% | $8,065-18.8% | $4,300+52.3% |
| Admin fee / account holder | $2,972 | $7,953-62.6% | $12,993-77.1% | $6,925-57.1% |