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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 | $38,365 | $183,627-79.1% | $155,602-75.3% | $145,978-73.7% |
| Participation rate | 55.6% | 82.7%-27.1pp | 78.2%-22.6pp | 80.3%-24.7pp |
| Annual return | 12.58% | 61.32%-48.7pp | 64.81%-52.2pp | 550.52%-537.9pp |
| Employer contribution / active EE | $2,398 | $5,316-54.9% | $4,675-48.7% | $4,662-48.6% |
| Participant deferral / active EE | $8,240 | $6,466+27.4% | $5,629+46.4% | $6,690+23.2% |
| Admin fee / account holder | $4,806 | $19,327-75.1% | $15,923-69.8% | $13,400-64.1% |