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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 | $41,735 | $48,053-13.1% | $84,628-50.7% | $72,975-42.8% |
| Participation rate | 44.8% | 57.6%-12.7pp | 68.2%-23.4pp | 69.5%-24.7pp |
| Annual return | 22.33% | 37.39%-15.1pp | 258.80%-236.5pp | 81.01%-58.7pp |
| Employer contribution / active EE | $1,511 | $1,602-5.7% | $2,653-43.0% | $2,440-38.1% |
| Participant deferral / active EE | $4,319 | $2,681+61.1% | $3,900+10.7% | $3,608+19.7% |
| Admin fee / account holder | $3,860 | $3,395+13.7% | $4,914-21.4% | $5,124-24.7% |