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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 | $41,590 | $107,421-61.3% | $182,262-77.2% | $94,015-55.8% |
| Participation rate | 65.4% | 77.8%-12.4pp | 84.2%-18.8pp | 70.8%-5.4pp |
| Annual return | 37.56% | 21.32%+16.2pp | 140.60%-103.0pp | 17.84%+19.7pp |
| Employer contribution / active EE | $2,471 | $3,448-28.3% | $5,046-51.0% | $2,790-11.4% |
| Participant deferral / active EE | $6,343 | $6,558-3.3% | $8,276-23.4% | $4,249+49.3% |
| Admin fee / account holder | $7,294 | $8,692-16.1% | $16,712-56.4% | $8,951-18.5% |