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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 | $48,561 | $85,169-43.0% | $172,755-71.9% | $72,983-33.5% |
| Participation rate | 23.1% | 70.1%-47.0pp | 82.6%-59.6pp | 69.5%-46.4pp |
| Annual return | 28.45% | 27.32%+1.1pp | 802.94%-774.5pp | 81.01%-52.6pp |
| Employer contribution / active EE | $1,077 | $3,324-67.6% | $5,144-79.1% | $2,440-55.8% |
| Participant deferral / active EE | $2,134 | $3,260-34.5% | $5,198-58.9% | $3,608-40.8% |
| Admin fee / account holder | $6,769 | $5,880+15.1% | $13,955-51.5% | $5,124+32.1% |