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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 | $68,019 | $102,595-33.7% | $94,057-27.7% | $154,746-56.0% |
| Participation rate | 50.0% | 76.0%-26.0pp | 73.3%-23.3pp | 80.7%-30.7pp |
| Annual return | 18.99% | 583.42%-564.4pp | 480.62%-461.6pp | 172.34%-153.4pp |
| Employer contribution / active EE | $1,556 | $3,147-50.6% | $2,933-46.9% | $4,379-64.5% |
| Participant deferral / active EE | $4,062 | $5,118-20.6% | $4,709-13.7% | $6,730-39.6% |
| Admin fee / account holder | $18,124 | $7,736+134.3% | $7,244+150.2% | $14,365+26.2% |