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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 | $29,667+37.0% | $56,441-28.0% | $80,874-49.7% |
| Participation rate | 41.7% | 41.7%0pp | 52.5%-10.8pp | 67.6%-26.0pp |
| Annual return | 12.48% | 35.22%-22.7pp | 1704.21%-1691.7pp | 35.62%-23.1pp |
| Employer contribution / active EE | $2,328 | $669+247.7% | $1,039+124.0% | $2,756-15.5% |
| Participant deferral / active EE | $2,514 | $1,227+105.0% | $1,953+28.7% | $4,297-41.5% |
| Admin fee / account holder | $2,742 | $2,429+12.8% | $2,829-3.1% | $6,935-60.5% |