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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 | $45,005 | $93,345-51.8% | $119,126-62.2% | $87,485-48.6% |
| Participation rate | 69.6% | 68.7%+0.8pp | 75.8%-6.2pp | 68.9%+0.6pp |
| Annual return | 13.53% | 19.08%-5.5pp | 282.11%-268.6pp | 26.06%-12.5pp |
| Employer contribution / active EE | $2,149 | $3,172-32.2% | $4,034-46.7% | $2,596-17.2% |
| Participant deferral / active EE | $4,620 | $4,099+12.7% | $5,318-13.1% | $4,274+8.1% |
| Admin fee / account holder | $2,301 | $8,039-71.4% | $10,693-78.5% | $7,775-70.4% |