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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 | $53,299 | $52,353+1.8% | $120,225-55.7% | $82,448-35.4% |
| Participation rate | 48.2% | 58.3%-10.1pp | 69.6%-21.3pp | 68.1%-19.8pp |
| Annual return | 15.79% | 61.85%-46.1pp | 439.23%-423.4pp | 41.64%-25.8pp |
| Employer contribution / active EE | $1,516 | $1,510+0.4% | $3,475-56.4% | $2,551-40.6% |
| Participant deferral / active EE | $2,504 | $2,627-4.7% | $3,999-37.4% | $4,139-39.5% |
| Admin fee / account holder | $1,007 | $4,363-76.9% | $5,696-82.3% | $7,234-86.1% |