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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 | $33,954 | $58,828-42.3% | $78,002-56.5% | $62,881-46.0% |
| Participation rate | 63.6% | 71.1%-7.4pp | 75.5%-11.9pp | 69.3%-5.7pp |
| Annual return | 7.61% | 17.16%-9.6pp | 425.99%-418.4pp | 20.14%-12.5pp |
| Employer contribution / active EE | $1,952 | $1,672+16.8% | $2,470-21.0% | $2,281-14.4% |
| Participant deferral / active EE | $4,458 | $2,686+66.0% | $3,497+27.5% | $3,203+39.2% |
| Admin fee / account holder | $5,140 | $4,393+17.0% | $5,481-6.2% | $4,296+19.6% |