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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 | $48,391 | $48,570-0.4% | $130,660-63.0% | $72,975-33.7% |
| Participation rate | 59.3% | 58.6%+0.7pp | 71.7%-12.5pp | 69.5%-10.2pp |
| Annual return | 26.41% | 38.63%-12.2pp | 1709.29%-1682.9pp | 81.01%-54.6pp |
| Employer contribution / active EE | $1,001 | $1,334-25.0% | $4,092-75.5% | $2,440-59.0% |
| Participant deferral / active EE | $2,344 | $2,384-1.7% | $3,603-34.9% | $3,608-35.0% |
| Admin fee / account holder | $2,346 | $3,549-33.9% | $5,463-57.1% | $5,124-54.2% |