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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 | $45,013 | $89,370-49.6% | $141,197-68.1% | $72,976-38.3% |
| Participation rate | 64.5% | 75.1%-10.6pp | 82.5%-18.0pp | 69.5%-5.0pp |
| Annual return | 24.05% | 111.88%-87.8pp | 71.41%-47.4pp | 81.02%-57.0pp |
| Employer contribution / active EE | $2,095 | $3,115-32.7% | $4,736-55.8% | $2,440-14.1% |
| Participant deferral / active EE | $5,932 | $5,419+9.5% | $6,710-11.6% | $3,608+64.4% |
| Admin fee / account holder | $910 | $5,957-84.7% | $10,265-91.1% | $5,124-82.2% |