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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 | $54,714 | $70,684-22.6% | $169,397-67.7% | $75,177-27.2% |
| Participation rate | 64.0% | 64.8%-0.8pp | 77.2%-13.2pp | 67.2%-3.2pp |
| Annual return | 27.75% | 36.38%-8.6pp | 406.23%-378.5pp | 160.75%-133.0pp |
| Employer contribution / active EE | $2,158 | $2,211-2.4% | $4,013-46.2% | $2,671-19.2% |
| Participant deferral / active EE | $4,193 | $4,310-2.7% | $6,223-32.6% | $4,126+1.6% |
| Admin fee / account holder | $1,103 | $5,404-79.6% | $9,017-87.8% | $5,651-80.5% |