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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 | $45,756 | $102,422-55.3% | $147,117-68.9% | $80,959-43.5% |
| Participation rate | 68.3% | 75.9%-7.5pp | 82.2%-13.9pp | 67.7%+0.7pp |
| Annual return | 19.76% | 135.16%-115.4pp | 420.54%-400.8pp | 35.67%-15.9pp |
| Employer contribution / active EE | $2,882 | $3,717-22.5% | $4,932-41.6% | $2,757+4.5% |
| Participant deferral / active EE | $8,770 | $6,652+31.8% | $8,065+8.7% | $4,300+103.9% |
| Admin fee / account holder | $18,258 | $7,953+129.6% | $12,993+40.5% | $6,925+163.6% |