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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 | $40,886 | $63,346-35.5% | $92,240-55.7% | $70,126-41.7% |
| Participation rate | 54.8% | 68.7%-13.8pp | 76.5%-21.6pp | 69.5%-14.7pp |
| Annual return | 23.29% | 530.19%-506.9pp | 176.29%-153.0pp | 73.15%-49.9pp |
| Employer contribution / active EE | $1,436 | $2,471-41.9% | $3,680-61.0% | $2,343-38.7% |
| Participant deferral / active EE | $3,024 | $2,854+6.0% | $3,897-22.4% | $3,332-9.2% |
| Admin fee / account holder | $2,103 | $3,841-45.2% | $5,194-59.5% | $4,645-54.7% |