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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 | $49,558 | $65,575-24.4% | $86,209-42.5% | $75,181-34.1% |
| Participation rate | 63.8% | 60.5%+3.3pp | 69.0%-5.1pp | 67.2%-3.4pp |
| Annual return | 14.35% | 46.07%-31.7pp | 1169.05%-1154.7pp | 160.69%-146.3pp |
| Employer contribution / active EE | $1,221 | $1,553-21.4% | $2,381-48.7% | $2,671-54.3% |
| Participant deferral / active EE | $2,025 | $3,023-33.0% | $3,986-49.2% | $4,126-50.9% |
| Admin fee / account holder | $7,090 | $5,470+29.6% | $6,853+3.5% | $5,650+25.5% |