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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 | $82,625 | $78,707+5.0% | $117,861-29.9% | $70,126+17.8% |
| Participation rate | 40.9% | 73.2%-32.3pp | 79.7%-38.8pp | 69.5%-28.7pp |
| Annual return | 14.29% | 23.30%-9.0pp | 335.11%-320.8pp | 73.15%-58.9pp |
| Employer contribution / active EE | $612 | $2,223-72.5% | $3,786-83.8% | $2,343-73.9% |
| Participant deferral / active EE | $2,038 | $3,297-38.2% | $4,482-54.5% | $3,332-38.8% |
| Admin fee / account holder | $2,186 | $5,066-56.8% | $8,021-72.7% | $4,645-52.9% |