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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 | $40,645 | $29,733+36.7% | $56,025-27.5% | $80,959-49.8% |
| Participation rate | 41.7% | 41.7%-0.1pp | 52.5%-10.8pp | 67.7%-26.0pp |
| Annual return | 12.48% | 35.28%-22.8pp | 1712.69%-1700.2pp | 35.67%-23.2pp |
| Employer contribution / active EE | $2,328 | $672+246.5% | $1,042+123.5% | $2,757-15.6% |
| Participant deferral / active EE | $2,514 | $1,229+104.5% | $1,955+28.6% | $4,300-41.5% |
| Admin fee / account holder | $2,742 | $2,434+12.7% | $2,828-3.1% | $6,925-60.4% |