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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 | $47,825 | $85,171-43.8% | $172,752-72.3% | $72,975-34.5% |
| Participation rate | 65.9% | 70.1%-4.2pp | 82.6%-16.8pp | 69.5%-3.6pp |
| Annual return | 20.21% | 27.32%-7.1pp | 802.97%-782.8pp | 81.01%-60.8pp |
| Employer contribution / active EE | $2,042 | $3,324-38.6% | $5,144-60.3% | $2,440-16.3% |
| Participant deferral / active EE | $4,461 | $3,260+36.9% | $5,198-14.2% | $3,608+23.7% |
| Admin fee / account holder | $1,482 | $5,880-74.8% | $13,955-89.4% | $5,124-71.1% |