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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 | $38,353 | $99,994-61.6% | $146,647-73.8% | $85,851-55.3% |
| Participation rate | 57.9% | 73.1%-15.2pp | 80.1%-22.2pp | 69.3%-11.4pp |
| Annual return | 17.29% | 18.93%-1.6pp | 22.75%-5.5pp | 318.63%-301.3pp |
| Employer contribution / active EE | $2,554 | $2,559-0.2% | $4,137-38.3% | $2,565-0.4% |
| Participant deferral / active EE | $4,699 | $4,006+17.3% | $5,506-14.7% | $3,952+18.9% |
| Admin fee / account holder | $4,923 | $7,703-36.1% | $10,281-52.1% | $6,261-21.4% |