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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 | $80,427 | $98,776-18.6% | $149,745-46.3% | $79,856+0.7% |
| Participation rate | 41.9% | 75.8%-33.9pp | 82.5%-40.6pp | 69.6%-27.7pp |
| Annual return | 17.16% | 27.38%-10.2pp | 276.72%-259.6pp | 31.71%-14.5pp |
| Employer contribution / active EE | $1,675 | $3,217-47.9% | $4,646-63.9% | $2,471-32.2% |
| Participant deferral / active EE | $3,096 | $5,681-45.5% | $6,843-54.8% | $3,741-17.2% |
| Admin fee / account holder | $6,781 | $6,053+12.0% | $9,312-27.2% | $5,306+27.8% |