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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 | $30,321 | $70,366-56.9% | $66,674-54.5% | $138,895-78.2% |
| Participation rate | 66.7% | 76.2%-9.5pp | 73.7%-7.0pp | 79.9%-13.3pp |
| Annual return | 14.46% | 386.41%-372.0pp | 321.24%-306.8pp | 145.39%-130.9pp |
| Employer contribution / active EE | $1,839 | $2,765-33.5% | $2,620-29.8% | $4,194-56.2% |
| Participant deferral / active EE | $4,406 | $4,374+0.7% | $4,084+7.9% | $6,396-31.1% |
| Admin fee / account holder | $5,280 | $5,262+0.3% | $5,098+3.6% | $12,562-58.0% |