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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 | $41,582 | $98,776-57.9% | $149,745-72.2% | $79,856-47.9% |
| Participation rate | 68.5% | 75.8%-7.3pp | 82.5%-14.0pp | 69.6%-1.1pp |
| Annual return | 30.38% | 27.38%+3.0pp | 276.72%-246.3pp | 31.71%-1.3pp |
| Employer contribution / active EE | $2,906 | $3,217-9.7% | $4,646-37.4% | $2,471+17.6% |
| Participant deferral / active EE | $6,329 | $5,681+11.4% | $6,843-7.5% | $3,741+69.2% |
| Admin fee / account holder | $2,159 | $6,053-64.3% | $9,312-76.8% | $5,306-59.3% |