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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 | $19,954 | $53,841-62.9% | $75,731-73.7% | $85,851-76.8% |
| Participation rate | 59.7% | 69.0%-9.3pp | 74.8%-15.1pp | 69.3%-9.6pp |
| Annual return | 18.35% | 24.54%-6.2pp | 104.65%-86.3pp | 318.63%-300.3pp |
| Employer contribution / active EE | $4,360 | $2,017+116.2% | $2,743+59.0% | $2,565+70.0% |
| Participant deferral / active EE | $3,636 | $2,895+25.6% | $3,820-4.8% | $3,952-8.0% |
| Admin fee / account holder | $2,367 | $3,340-29.1% | $3,620-34.6% | $6,261-62.2% |