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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 | $28,127 | $89,367-68.5% | $141,191-80.1% | $72,975-61.5% |
| Participation rate | 66.7% | 75.1%-8.5pp | 82.5%-15.8pp | 69.5%-2.8pp |
| Annual return | 33.80% | 111.87%-78.1pp | 71.41%-37.6pp | 81.01%-47.2pp |
| Employer contribution / active EE | $3,498 | $3,115+12.3% | $4,736-26.1% | $2,440+43.3% |
| Participant deferral / active EE | $4,981 | $5,419-8.1% | $6,710-25.8% | $3,608+38.1% |
| Admin fee / account holder | $1,582 | $5,957-73.4% | $10,264-84.6% | $5,124-69.1% |