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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 | $77,956 | $89,370-12.8% | $141,197-44.8% | $72,976+6.8% |
| Participation rate | 35.6% | 75.1%-39.5pp | 82.5%-46.9pp | 69.5%-33.9pp |
| Annual return | 19.66% | 111.88%-92.2pp | 71.41%-51.7pp | 81.02%-61.4pp |
| Employer contribution / active EE | $1,996 | $3,115-35.9% | $4,736-57.9% | $2,440-18.2% |
| Participant deferral / active EE | $3,473 | $5,419-35.9% | $6,710-48.2% | $3,608-3.7% |
| Admin fee / account holder | $5,942 | $5,957-0.3% | $10,265-42.1% | $5,124+16.0% |