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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 | $35,018 | $105,284-66.7% | $150,734-76.8% | $94,015-62.8% |
| Participation rate | 65.8% | 71.7%-5.9pp | 78.4%-12.7pp | 70.8%-5.0pp |
| Annual return | 21.66% | 15.67%+6.0pp | 600.81%-579.1pp | 17.84%+3.8pp |
| Employer contribution / active EE | $2,295 | $3,599-36.2% | $4,918-53.3% | $2,790-17.7% |
| Participant deferral / active EE | $4,134 | $4,274-3.3% | $5,610-26.3% | $4,249-2.7% |
| Admin fee / account holder | $3,226 | $9,839-67.2% | $14,905-78.4% | $8,951-64.0% |