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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 | $41,730 | $98,766-57.7% | $149,730-72.1% | $79,852-47.7% |
| Participation rate | 64.5% | 75.8%-11.3pp | 82.5%-18.0pp | 69.6%-5.2pp |
| Annual return | 32.10% | 27.43%+4.7pp | 276.70%-244.6pp | 31.72%+0.4pp |
| Employer contribution / active EE | $3,291 | $3,217+2.3% | $4,645-29.1% | $2,471+33.2% |
| Participant deferral / active EE | $4,432 | $5,681-22.0% | $6,843-35.2% | $3,740+18.5% |
| Admin fee / account holder | $2,346 | $6,052-61.2% | $9,310-74.8% | $5,306-55.8% |