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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 | $67,595 | $152,619-55.7% | $125,195-46.0% | $152,909-55.8% |
| Participation rate | 54.5% | 83.3%-28.8pp | 79.8%-25.2pp | 82.5%-27.9pp |
| Annual return | 17.68% | 54.85%-37.2pp | 43.79%-26.1pp | 345.46%-327.8pp |
| Employer contribution / active EE | $1,684 | $4,947-66.0% | $3,866-56.4% | $4,764-64.6% |
| Participant deferral / active EE | $4,845 | $5,869-17.4% | $4,937-1.9% | $5,851-17.2% |
| Admin fee / account holder | $995 | $13,437-92.6% | $9,704-89.7% | $11,601-91.4% |