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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 | $47,579 | $57,352-17.0% | $83,831-43.2% | $64,173-25.9% |
| Participation rate | 64.7% | 68.6%-3.9pp | 76.1%-11.4pp | 69.6%-4.9pp |
| Annual return | 3.93% | 11.38%-7.5pp | 850.99%-847.1pp | 7.63%-3.7pp |
| Employer contribution / active EE | $2,515 | $2,546-1.2% | $3,631-30.8% | $2,381+5.6% |
| Participant deferral / active EE | $5,072 | $2,993+69.5% | $4,082+24.3% | $3,470+46.2% |
| Admin fee / account holder | $755 | $4,046-81.3% | $5,479-86.2% | $4,887-84.5% |