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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 | $45,261 | $56,063-19.3% | $76,051-40.5% | $80,911-44.1% |
| Participation rate | 60.7% | 62.0%-1.3pp | 69.1%-8.4pp | 67.6%-6.9pp |
| Annual return | 15.00% | 20.54%-5.5pp | 360.42%-345.4pp | 35.63%-20.6pp |
| Employer contribution / active EE | $2,928 | $1,874+56.2% | $2,690+8.9% | $2,756+6.2% |
| Participant deferral / active EE | $3,068 | $3,052+0.5% | $4,257-27.9% | $4,297-28.6% |
| Admin fee / account holder | $1,917 | $5,240-63.4% | $6,416-70.1% | $6,935-72.4% |