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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 | $69,737 | $64,324+8.4% | $118,914-41.4% | $79,856-12.7% |
| Participation rate | 41.7% | 64.9%-23.2pp | 75.4%-33.7pp | 69.6%-28.0pp |
| Annual return | 29.63% | 86.45%-56.8pp | 35.89%-6.3pp | 31.71%-2.1pp |
| Employer contribution / active EE | $954 | $1,836-48.1% | $3,264-70.8% | $2,471-61.4% |
| Participant deferral / active EE | $1,686 | $2,824-40.3% | $4,266-60.5% | $3,741-54.9% |
| Admin fee / account holder | $878 | $4,040-78.3% | $6,582-86.7% | $5,306-83.5% |