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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 | $52,910 | $102,385-48.3% | $147,080-64.0% | $80,935-34.6% |
| Participation rate | 55.2% | 75.9%-20.7pp | 82.2%-27.0pp | 67.7%-12.5pp |
| Annual return | 23.45% | 135.09%-111.6pp | 420.17%-396.7pp | 35.66%-12.2pp |
| Employer contribution / active EE | $3,434 | $3,717-7.6% | $4,933-30.4% | $2,757+24.6% |
| Participant deferral / active EE | $6,774 | $6,651+1.9% | $8,066-16.0% | $4,299+57.6% |
| Admin fee / account holder | $1,864 | $7,951-76.6% | $12,989-85.6% | $6,924-73.1% |