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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 | $35,024 | $77,816-55.0% | $123,549-71.7% | $64,181-45.4% |
| Participation rate | 65.7% | 74.7%-9.0pp | 82.3%-16.6pp | 69.6%-3.9pp |
| Annual return | 1.48% | 12.49%-11.0pp | 119.20%-117.7pp | 7.63%-6.2pp |
| Employer contribution / active EE | $4,375 | $3,014+45.1% | $4,628-5.5% | $2,381+83.7% |
| Participant deferral / active EE | $4,011 | $5,240-23.5% | $6,426-37.6% | $3,470+15.6% |
| Admin fee / account holder | $2,467 | $5,519-55.3% | $9,284-73.4% | $4,887-49.5% |