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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 | $51,019 | $49,897+2.2% | $80,648-36.7% | $75,177-32.1% |
| Participation rate | 42.4% | 55.3%-12.9pp | 67.0%-24.6pp | 67.2%-24.8pp |
| Annual return | 19.50% | 34.68%-15.2pp | 937.21%-917.7pp | 160.75%-141.2pp |
| Employer contribution / active EE | $1,716 | $1,699+1.0% | $2,724-37.0% | $2,671-35.8% |
| Participant deferral / active EE | $4,519 | $2,992+51.0% | $4,443+1.7% | $4,126+9.5% |
| Admin fee / account holder | $4,149 | $3,579+15.9% | $5,382-22.9% | $5,651-26.6% |