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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 | $23,592 | $77,416-69.5% | $69,464-66.0% | $152,897-84.6% |
| Participation rate | 57.1% | 78.1%-20.9pp | 74.6%-17.5pp | 82.5%-25.3pp |
| Annual return | 24.55% | 39.08%-14.5pp | 28.98%-4.4pp | 345.43%-320.9pp |
| Employer contribution / active EE | $2,586 | $3,315-22.0% | $2,779-7.0% | $4,764-45.7% |
| Participant deferral / active EE | $5,040 | $4,413+14.2% | $3,536+42.5% | $5,851-13.9% |
| Admin fee / account holder | $977 | $6,208-84.3% | $3,840-74.6% | $11,599-91.6% |