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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 | $34,163 | $99,994-65.8% | $146,643-76.7% | $85,847-60.2% |
| Participation rate | 56.4% | 73.1%-16.7pp | 80.1%-23.7pp | 69.3%-13.0pp |
| Annual return | 14.57% | 18.93%-4.4pp | 22.75%-8.2pp | 318.61%-304.0pp |
| Employer contribution / active EE | $2,240 | $2,559-12.5% | $4,137-45.9% | $2,565-12.7% |
| Participant deferral / active EE | $3,922 | $4,006-2.1% | $5,506-28.8% | $3,952-0.8% |
| Admin fee / account holder | $10,891 | $7,703+41.4% | $10,280+5.9% | $6,261+74.0% |