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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 | $79,246 | $85,766-7.6% | $136,297-41.9% | $70,124+13.0% |
| Participation rate | 61.7% | 74.2%-12.5pp | 81.9%-20.3pp | 69.5%-7.9pp |
| Annual return | 16.92% | 31.45%-14.5pp | 5156.19%-5139.3pp | 73.14%-56.2pp |
| Employer contribution / active EE | $1,174 | $2,966-60.4% | $4,696-75.0% | $2,342-49.9% |
| Participant deferral / active EE | $4,871 | $5,051-3.6% | $6,247-22.0% | $3,332+46.2% |
| Admin fee / account holder | $2,493 | $5,420-54.0% | $9,244-73.0% | $4,645-46.3% |