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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 | $39,594 | $60,442-34.5% | $96,754-59.1% | $87,485-54.7% |
| Participation rate | 37.4% | 58.7%-21.3pp | 70.3%-32.9pp | 68.9%-31.6pp |
| Annual return | 19.61% | 21.97%-2.4pp | 82.04%-62.4pp | 26.06%-6.4pp |
| Employer contribution / active EE | $2,254 | $1,691+33.3% | $2,679-15.9% | $2,596-13.2% |
| Participant deferral / active EE | $5,073 | $3,280+54.7% | $4,758+6.6% | $4,274+18.7% |
| Admin fee / account holder | $11,182 | $5,069+120.6% | $8,905+25.6% | $7,775+43.8% |