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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 | $50,840 | $93,345-45.5% | $119,126-57.3% | $87,485-41.9% |
| Participation rate | 66.7% | 68.7%-2.1pp | 75.8%-9.1pp | 68.9%-2.3pp |
| Annual return | 15.37% | 19.08%-3.7pp | 282.11%-266.7pp | 26.06%-10.7pp |
| Employer contribution / active EE | $2,799 | $3,172-11.8% | $4,034-30.6% | $2,596+7.8% |
| Participant deferral / active EE | $5,682 | $4,099+38.6% | $5,318+6.8% | $4,274+33.0% |
| Admin fee / account holder | $1,702 | $8,039-78.8% | $10,693-84.1% | $7,775-78.1% |