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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 | $43,407 | $85,171-49.0% | $172,753-74.9% | $72,976-40.5% |
| Participation rate | 57.1% | 70.1%-12.9pp | 82.6%-25.5pp | 69.5%-12.3pp |
| Annual return | 26.68% | 27.32%-0.6pp | 803.00%-776.3pp | 81.02%-54.3pp |
| Employer contribution / active EE | $4,309 | $3,324+29.6% | $5,144-16.2% | $2,440+76.6% |
| Participant deferral / active EE | $3,955 | $3,260+21.3% | $5,198-23.9% | $3,608+9.6% |
| Admin fee / account holder | $333 | $5,880-94.3% | $13,956-97.6% | $5,124-93.5% |