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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 | $45,740 | $80,674-43.3% | $119,126-61.6% | $64,340-28.9% |
| Participation rate | 34.1% | 55.2%-21.1pp | 75.8%-41.7pp | 55.2%-21.2pp |
| Annual return | 20.52% | 26.86%-6.3pp | 282.11%-261.6pp | 24.14%-3.6pp |
| Employer contribution / active EE | $1,313 | $2,564-48.8% | $4,034-67.5% | $1,862-29.5% |
| Participant deferral / active EE | $2,494 | $3,053-18.3% | $5,318-53.1% | $2,980-16.3% |
| Admin fee / account holder | $2,115 | $4,559-53.6% | $10,693-80.2% | $3,703-42.9% |