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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 | $53,207 | $58,311-8.8% | $81,882-35.0% | $80,959-34.3% |
| Participation rate | 63.9% | 63.5%+0.4pp | 72.4%-8.5pp | 67.7%-3.8pp |
| Annual return | 15.06% | 41.85%-26.8pp | 779.47%-764.4pp | 35.67%-20.6pp |
| Employer contribution / active EE | $1,377 | $2,347-41.3% | $2,916-52.8% | $2,757-50.1% |
| Participant deferral / active EE | $4,134 | $3,287+25.8% | $4,323-4.4% | $4,300-3.9% |
| Admin fee / account holder | $3,197 | $4,752-32.7% | $7,360-56.6% | $6,925-53.8% |