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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 | $47,274 | $78,690-39.9% | $161,489-70.7% | $87,485-46.0% |
| Participation rate | 55.6% | 67.5%-11.9pp | 78.7%-23.1pp | 68.9%-13.4pp |
| Annual return | 34.64% | 32.74%+1.9pp | 89.72%-55.1pp | 26.06%+8.6pp |
| Employer contribution / active EE | $1,683 | $2,588-35.0% | $4,268-60.6% | $2,596-35.2% |
| Participant deferral / active EE | $4,342 | $3,311+31.2% | $5,630-22.9% | $4,274+1.6% |
| Admin fee / account holder | $7,345 | $6,724+9.2% | $16,006-54.1% | $7,775-5.5% |