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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 | $43,668 | $105,200-58.5% | $159,474-72.6% | $85,847-49.1% |
| Participation rate | 69.6% | 75.8%-6.1pp | 82.8%-13.2pp | 69.3%+0.3pp |
| Annual return | 20.75% | 45.08%-24.3pp | 263.68%-242.9pp | 318.61%-297.9pp |
| Employer contribution / active EE | $3,056 | $3,319-7.9% | $4,831-36.7% | $2,565+19.1% |
| Participant deferral / active EE | $6,453 | $5,946+8.5% | $7,353-12.2% | $3,952+63.3% |
| Admin fee / account holder | $2,218 | $6,934-68.0% | $10,802-79.5% | $6,261-64.6% |