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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 | $61,931 | $100,073-38.1% | $85,126-27.2% | $145,877-57.5% |
| Participation rate | 69.2% | 74.1%-4.9pp | 67.5%+1.7pp | 80.3%-11.1pp |
| Annual return | 61.17% | 84.11%-22.9pp | 66.63%-5.5pp | 551.28%-490.1pp |
| Employer contribution / active EE | $1,463 | $3,236-54.8% | $2,731-46.4% | $4,663-68.6% |
| Participant deferral / active EE | $8,254 | $5,294+55.9% | $4,523+82.5% | $6,691+23.4% |
| Admin fee / account holder | $4,146 | $7,261-42.9% | $6,160-32.7% | $13,402-69.1% |