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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 | $31,566 | $65,367-51.7% | $92,915-66.0% | $72,976-56.7% |
| Participation rate | 60.3% | 68.3%-8.0pp | 76.0%-15.7pp | 69.5%-9.1pp |
| Annual return | 45.29% | 42.11%+3.2pp | 109.45%-64.2pp | 81.02%-35.7pp |
| Employer contribution / active EE | $2,639 | $2,594+1.7% | $3,653-27.8% | $2,440+8.1% |
| Participant deferral / active EE | $5,443 | $3,128+74.0% | $4,238+28.4% | $3,608+50.9% |
| Admin fee / account holder | $1,193 | $4,251-71.9% | $5,796-79.4% | $5,124-76.7% |