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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 | $105,284-51.7% | $150,734-66.3% | $94,015-45.9% |
| Participation rate | 66.7% | 71.7%-5.1pp | 78.4%-11.8pp | 70.8%-4.2pp |
| Annual return | 15.37% | 15.67%-0.3pp | 600.81%-585.4pp | 17.84%-2.5pp |
| Employer contribution / active EE | $2,799 | $3,599-22.2% | $4,918-43.1% | $2,790+0.3% |
| Participant deferral / active EE | $5,682 | $4,274+33.0% | $5,610+1.3% | $4,249+33.7% |
| Admin fee / account holder | $1,702 | $9,839-82.7% | $14,905-88.6% | $8,951-81.0% |