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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 | $52,519 | $102,429-48.7% | $147,096-64.3% | $80,925-35.1% |
| Participation rate | 64.2% | 75.9%-11.7pp | 82.2%-18.0pp | 67.7%-3.4pp |
| Annual return | 15.84% | 135.02%-119.2pp | 419.75%-403.9pp | 35.65%-19.8pp |
| Employer contribution / active EE | $1,877 | $3,716-49.5% | $4,936-62.0% | $2,756-31.9% |
| Participant deferral / active EE | $4,724 | $6,649-28.9% | $8,071-41.5% | $4,299+9.9% |
| Admin fee / account holder | $4,543 | $7,957-42.9% | $13,005-65.1% | $6,940-34.5% |