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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 | $44,759 | $85,171-47.4% | $172,753-74.1% | $72,976-38.7% |
| Participation rate | 69.2% | 70.1%-0.8pp | 82.6%-13.4pp | 69.5%-0.3pp |
| Annual return | 17.63% | 27.32%-9.7pp | 803.00%-785.4pp | 81.02%-63.4pp |
| Employer contribution / active EE | $2,786 | $3,324-16.2% | $5,144-45.8% | $2,440+14.2% |
| Participant deferral / active EE | $5,227 | $3,260+60.3% | $5,198+0.6% | $3,608+44.9% |
| Admin fee / account holder | $670 | $5,880-88.6% | $13,956-95.2% | $5,124-86.9% |