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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 | $37,303 | $98,760-62.2% | $149,715-75.1% | $79,858-53.3% |
| Participation rate | 69.2% | 75.8%-6.5pp | 82.5%-13.2pp | 69.6%-0.4pp |
| Annual return | 21.62% | 27.43%-5.8pp | 276.66%-255.0pp | 31.72%-10.1pp |
| Employer contribution / active EE | $2,240 | $3,217-30.4% | $4,645-51.8% | $2,471-9.3% |
| Participant deferral / active EE | $4,229 | $5,681-25.6% | $6,842-38.2% | $3,740+13.1% |
| Admin fee / account holder | $1,647 | $6,053-72.8% | $9,310-82.3% | $5,306-69.0% |