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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 | $40,525 | $34,316+18.1% | $74,719-45.8% | $72,983-44.5% |
| Participation rate | 59.3% | 42.4%+16.9pp | 54.5%+4.8pp | 69.5%-10.2pp |
| Annual return | 19.24% | 26.58%-7.3pp | 753.05%-733.8pp | 81.01%-61.8pp |
| Employer contribution / active EE | $642 | $692-7.3% | $1,084-40.8% | $2,440-73.7% |
| Participant deferral / active EE | $1,558 | $1,272+22.5% | $1,963-20.7% | $3,608-56.8% |
| Admin fee / account holder | $1,024 | $2,125-51.8% | $3,334-69.3% | $5,124-80.0% |