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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 | $62,983 | $97,125-35.2% | $86,233-27.0% | $137,256-54.1% |
| Participation rate | 68.2% | 74.2%-6.0pp | 69.0%-0.8pp | 80.0%-11.8pp |
| Annual return | 50.27% | 74.19%-23.9pp | 61.39%-11.1pp | 220.34%-170.1pp |
| Employer contribution / active EE | $2,029 | $2,841-28.6% | $2,504-19.0% | $4,156-51.2% |
| Participant deferral / active EE | $3,584 | $5,180-30.8% | $4,559-21.4% | $6,407-44.1% |
| Admin fee / account holder | $2,507 | $9,725-74.2% | $8,342-69.9% | $12,270-79.6% |