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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 | $91,475 | $70,684+29.4% | $169,397-46.0% | $75,177+21.7% |
| Participation rate | 44.9% | 64.8%-19.9pp | 77.2%-32.3pp | 67.2%-22.3pp |
| Annual return | 19.68% | 36.38%-16.7pp | 406.23%-386.6pp | 160.75%-141.1pp |
| Employer contribution / active EE | $1,884 | $2,211-14.8% | $4,013-53.0% | $2,671-29.5% |
| Participant deferral / active EE | $4,139 | $4,310-4.0% | $6,223-33.5% | $4,126+0.3% |
| Admin fee / account holder | $473 | $5,404-91.2% | $9,017-94.8% | $5,651-91.6% |