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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 | $31,043 | $106,905-71.0% | $84,020-63.1% | $152,885-79.7% |
| Participation rate | 66.7% | 75.2%-8.6pp | 69.0%-2.3pp | 82.5%-15.8pp |
| Annual return | 23.55% | 105.00%-81.4pp | 71.31%-47.8pp | 345.39%-321.8pp |
| Employer contribution / active EE | $1,523 | $2,735-44.3% | $1,984-23.2% | $4,763-68.0% |
| Participant deferral / active EE | $4,083 | $4,012+1.8% | $3,239+26.1% | $5,851-30.2% |
| Admin fee / account holder | $697 | $8,287-91.6% | $6,101-88.6% | $11,598-94.0% |