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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 | $44,717 | $201,344-77.8% | $184,243-75.7% | $145,877-69.3% |
| Participation rate | 47.4% | 87.5%-40.1pp | 86.8%-39.5pp | 80.3%-32.9pp |
| Annual return | 38.20% | 29.01%+9.2pp | 28.82%+9.4pp | 551.28%-513.1pp |
| Employer contribution / active EE | $2,621 | $7,022-62.7% | $6,427-59.2% | $4,663-43.8% |
| Participant deferral / active EE | $4,041 | $9,807-58.8% | $9,132-55.8% | $6,691-39.6% |
| Admin fee / account holder | $3,086 | $16,382-81.2% | $13,914-77.8% | $13,402-77.0% |