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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 | $30,031 | $88,672-66.1% | $105,223-71.5% | $82,448-63.6% |
| Participation rate | 58.0% | 67.9%-9.9pp | 75.0%-17.0pp | 68.1%-10.0pp |
| Annual return | 27.84% | 30.86%-3.0pp | 180.65%-152.8pp | 41.64%-13.8pp |
| Employer contribution / active EE | $2,547 | $3,048-16.4% | $3,689-31.0% | $2,551-0.2% |
| Participant deferral / active EE | $6,770 | $4,036+67.7% | $5,072+33.5% | $4,139+63.6% |
| Admin fee / account holder | $3,321 | $7,146-53.5% | $8,859-62.5% | $7,234-54.1% |