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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 | $57,522 | $107,368-46.4% | $92,915-38.1% | $152,909-62.4% |
| Participation rate | 46.7% | 79.8%-33.1pp | 76.0%-29.3pp | 82.5%-35.8pp |
| Annual return | 23.22% | 145.64%-122.4pp | 109.45%-86.2pp | 345.46%-322.2pp |
| Employer contribution / active EE | $1,643 | $4,222-61.1% | $3,653-55.0% | $4,764-65.5% |
| Participant deferral / active EE | $5,788 | $4,848+19.4% | $4,238+36.6% | $5,851-1.1% |
| Admin fee / account holder | $6,874 | $7,082-2.9% | $5,796+18.6% | $11,601-40.7% |