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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 | $28,229 | $58,241-51.5% | $81,780-65.5% | $80,911-65.1% |
| Participation rate | 62.9% | 63.4%-0.5pp | 72.4%-9.5pp | 67.6%-4.7pp |
| Annual return | 14.33% | 41.73%-27.4pp | 776.27%-761.9pp | 35.63%-21.3pp |
| Employer contribution / active EE | $2,269 | $2,343-3.2% | $2,914-22.1% | $2,756-17.7% |
| Participant deferral / active EE | $2,796 | $3,283-14.8% | $4,321-35.3% | $4,297-34.9% |
| Admin fee / account holder | $3,693 | $4,973-25.7% | $7,384-50.0% | $6,935-46.8% |