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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 | $59,544 | $98,766-39.7% | $149,730-60.2% | $79,852-25.4% |
| Participation rate | 55.2% | 75.8%-20.6pp | 82.5%-27.3pp | 69.6%-14.5pp |
| Annual return | 16.29% | 27.43%-11.1pp | 276.70%-260.4pp | 31.72%-15.4pp |
| Employer contribution / active EE | $4,301 | $3,217+33.7% | $4,645-7.4% | $2,471+74.1% |
| Participant deferral / active EE | $5,045 | $5,681-11.2% | $6,843-26.3% | $3,740+34.9% |
| Admin fee / account holder | $2,054 | $6,052-66.1% | $9,310-77.9% | $5,306-61.3% |