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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 | $43,411 | $108,882-60.1% | $96,754-55.1% | $154,746-71.9% |
| Participation rate | 57.1% | 75.1%-17.9pp | 70.3%-13.1pp | 80.7%-23.6pp |
| Annual return | 19.41% | 98.39%-79.0pp | 82.04%-62.6pp | 172.34%-152.9pp |
| Employer contribution / active EE | $2,075 | $3,018-31.3% | $2,679-22.6% | $4,379-52.6% |
| Participant deferral / active EE | $5,312 | $5,323-0.2% | $4,758+11.6% | $6,730-21.1% |
| Admin fee / account holder | $1,002 | $10,200-90.2% | $8,905-88.7% | $14,365-93.0% |