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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 | $45,024 | $45,123-0.2% | $85,240-47.2% | $74,478-39.5% |
| Participation rate | 65.8% | 49.4%+16.4pp | 67.5%-1.7pp | 67.2%-1.4pp |
| Annual return | 13.85% | 26.32%-12.5pp | 66.75%-52.9pp | 1370.56%-1356.7pp |
| Employer contribution / active EE | $1,528 | $1,459+4.8% | $2,735-44.1% | $2,626-41.8% |
| Participant deferral / active EE | $2,956 | $2,736+8.0% | $4,527-34.7% | $4,350-32.0% |
| Admin fee / account holder | $757 | $2,215-65.8% | $6,165-87.7% | $1,946-61.1% |