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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 | $35,240 | $89,367-60.6% | $141,191-75.0% | $72,975-51.7% |
| Participation rate | 55.2% | 75.1%-20.0pp | 82.5%-27.3pp | 69.5%-14.3pp |
| Annual return | 25.13% | 111.87%-86.7pp | 71.41%-46.3pp | 81.01%-55.9pp |
| Employer contribution / active EE | $2,289 | $3,115-26.5% | $4,736-51.7% | $2,440-6.2% |
| Participant deferral / active EE | $4,344 | $5,419-19.8% | $6,710-35.3% | $3,608+20.4% |
| Admin fee / account holder | $6,100 | $5,957+2.4% | $10,264-40.6% | $5,124+19.1% |