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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 | $49,985 | $107,368-53.4% | $92,915-46.2% | $152,909-67.3% |
| Participation rate | 63.6% | 79.8%-16.2pp | 76.0%-12.4pp | 82.5%-18.8pp |
| Annual return | 23.17% | 145.64%-122.5pp | 109.45%-86.3pp | 345.46%-322.3pp |
| Employer contribution / active EE | $2,010 | $4,222-52.4% | $3,653-45.0% | $4,764-57.8% |
| Participant deferral / active EE | $5,358 | $4,848+10.5% | $4,238+26.4% | $5,851-8.4% |
| Admin fee / account holder | $1,545 | $7,082-78.2% | $5,796-73.3% | $11,601-86.7% |