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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 | $69,942 | $165,381-57.7% | $149,730-53.3% | $158,966-56.0% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 14.70% | 348.29%-333.6pp | 276.70%-262.0pp | 302.95%-288.2pp |
| Employer contribution / active EE | $2,402 | $5,104-52.9% | $4,645-48.3% | $4,762-49.6% |
| Participant deferral / active EE | $3,332 | $7,182-53.6% | $6,843-51.3% | $5,983-44.3% |
| Admin fee / account holder | $3,187 | $10,809-70.5% | $9,310-65.8% | $11,250-71.7% |