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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 | $51,013 | $124,346-59.0% | $111,308-54.2% | $167,536-69.6% |
| Participation rate | 68.8% | 79.6%-10.9pp | 77.3%-8.6pp | 82.1%-13.4pp |
| Annual return | 25.52% | 37.45%-11.9pp | 54.67%-29.1pp | 478.82%-453.3pp |
| Employer contribution / active EE | $1,709 | $3,437-50.3% | $2,732-37.5% | $4,839-64.7% |
| Participant deferral / active EE | $3,838 | $5,182-25.9% | $4,487-14.5% | $6,342-39.5% |
| Admin fee / account holder | $476 | $10,621-95.5% | $7,965-94.0% | $12,315-96.1% |