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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 | $62,448 | $53,128+17.5% | $86,582-27.9% | $70,126-10.9% |
| Participation rate | 42.4% | 65.3%-23.0pp | 73.5%-31.2pp | 69.5%-27.2pp |
| Annual return | 21.18% | 27.66%-6.5pp | 965.08%-943.9pp | 73.15%-52.0pp |
| Employer contribution / active EE | $380 | $2,068-81.6% | $2,839-86.6% | $2,343-83.8% |
| Participant deferral / active EE | $2,429 | $2,695-9.9% | $3,609-32.7% | $3,332-27.1% |
| Admin fee / account holder | $4,575 | $3,584+27.7% | $4,904-6.7% | $4,645-1.5% |