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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 | $29,240 | $45,123-35.2% | $85,240-65.7% | $74,478-60.7% |
| Participation rate | 32.1% | 49.4%-17.3pp | 67.5%-35.5pp | 67.2%-35.1pp |
| Annual return | 13.39% | 26.32%-12.9pp | 66.75%-53.4pp | 1370.56%-1357.2pp |
| Employer contribution / active EE | $1,660 | $1,459+13.8% | $2,735-39.3% | $2,626-36.8% |
| Participant deferral / active EE | $3,804 | $2,736+39.0% | $4,527-16.0% | $4,350-12.6% |
| Admin fee / account holder | $2,882 | $2,215+30.2% | $6,165-53.2% | $1,946+48.1% |