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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 | $86,470 | $110,410-21.7% | $102,437-15.6% | $145,897-40.7% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 12.33% | 24.85%-12.5pp | 24.95%-12.6pp | 552.29%-540.0pp |
| Employer contribution / active EE | $1,539 | $4,217-63.5% | $3,871-60.3% | $4,663-67.0% |
| Participant deferral / active EE | $6,713 | $5,622+19.4% | $5,060+32.7% | $6,689+0.4% |
| Admin fee / account holder | $1,896 | $9,745-80.5% | $8,388-77.4% | $13,390-85.8% |