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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 | $30,077 | $99,652-69.8% | $78,778-61.8% | $147,586-79.6% |
| Participation rate | 50.0% | 76.2%-26.2pp | 69.2%-19.2pp | 82.8%-32.8pp |
| Annual return | 39.28% | 47.28%-8.0pp | 35.62%+3.7pp | 578.59%-539.3pp |
| Employer contribution / active EE | $3,009 | $2,796+7.6% | $1,986+51.5% | $4,876-38.3% |
| Participant deferral / active EE | $5,039 | $3,664+37.5% | $2,958+70.3% | $5,439-7.4% |
| Admin fee / account holder | $1,049 | $7,155-85.3% | $5,134-79.6% | $10,886-90.4% |