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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 | $66,095 | $77,638-14.9% | $156,551-57.8% | $62,881+5.1% |
| Participation rate | 55.7% | 71.2%-15.5pp | 84.0%-28.3pp | 69.3%-13.6pp |
| Annual return | 5.52% | 50.33%-44.8pp | 32.23%-26.7pp | 20.14%-14.6pp |
| Employer contribution / active EE | $1,742 | $3,444-49.4% | $5,501-68.3% | $2,281-23.6% |
| Participant deferral / active EE | $4,087 | $3,046+34.2% | $4,871-16.1% | $3,203+27.6% |
| Admin fee / account holder | $10,433 | $5,561+87.6% | $13,028-19.9% | $4,296+142.9% |