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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 | $49,442 | $98,776-49.9% | $149,745-67.0% | $79,856-38.1% |
| Participation rate | 65.7% | 75.8%-10.1pp | 82.5%-16.8pp | 69.6%-3.9pp |
| Annual return | 18.46% | 27.38%-8.9pp | 276.72%-258.3pp | 31.71%-13.3pp |
| Employer contribution / active EE | $2,633 | $3,217-18.2% | $4,646-43.3% | $2,471+6.6% |
| Participant deferral / active EE | $7,840 | $5,681+38.0% | $6,843+14.6% | $3,741+109.6% |
| Admin fee / account holder | $7,357 | $6,053+21.5% | $9,312-21.0% | $5,306+38.6% |