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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 | $64,850 | $67,396-3.8% | $60,919+6.5% | $134,545-51.8% |
| Participation rate | 57.1% | 76.2%-19.0pp | 73.1%-16.0pp | 81.2%-24.1pp |
| Annual return | 43.96% | 50.12%-6.2pp | 16.96%+27.0pp | 418.37%-374.4pp |
| Employer contribution / active EE | $1,995 | $3,101-35.7% | $2,704-26.2% | $4,742-57.9% |
| Participant deferral / active EE | $3,734 | $4,534-17.6% | $3,814-2.1% | $6,401-41.7% |
| Admin fee / account holder | $1,417 | $4,590-69.1% | $3,228-56.1% | $11,431-87.6% |