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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 | $78,330 | $105,200-25.5% | $159,474-50.9% | $85,847-8.8% |
| Participation rate | 62.5% | 75.8%-13.3pp | 82.8%-20.3pp | 69.3%-6.8pp |
| Annual return | 17.40% | 45.08%-27.7pp | 263.68%-246.3pp | 318.61%-301.2pp |
| Employer contribution / active EE | $2,293 | $3,319-30.9% | $4,831-52.5% | $2,565-10.6% |
| Participant deferral / active EE | $4,192 | $5,946-29.5% | $7,353-43.0% | $3,952+6.1% |
| Admin fee / account holder | $6,016 | $6,934-13.2% | $10,802-44.3% | $6,261-3.9% |