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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 | $38,349 | $85,766-55.3% | $136,295-71.9% | $70,131-45.3% |
| Participation rate | 69.7% | 74.2%-4.5pp | 81.9%-12.2pp | 69.5%+0.2pp |
| Annual return | 17.44% | 31.45%-14.0pp | 5155.97%-5138.5pp | 73.14%-55.7pp |
| Employer contribution / active EE | $5,326 | $2,966+79.6% | $4,695+13.4% | $2,342+127.4% |
| Participant deferral / active EE | $2,876 | $5,051-43.1% | $6,247-54.0% | $3,332-13.7% |
| Admin fee / account holder | $420 | $5,420-92.2% | $9,243-95.5% | $4,645-90.9% |