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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 | $85,162 | $98,776-13.8% | $149,745-43.1% | $79,856+6.6% |
| Participation rate | 54.8% | 75.8%-21.0pp | 82.5%-27.7pp | 69.6%-14.9pp |
| Annual return | 26.82% | 27.38%-0.6pp | 276.72%-249.9pp | 31.71%-4.9pp |
| Employer contribution / active EE | $5,208 | $3,217+61.9% | $4,646+12.1% | $2,471+110.7% |
| Participant deferral / active EE | $7,129 | $5,681+25.5% | $6,843+4.2% | $3,741+90.6% |
| Admin fee / account holder | $1,743 | $6,053-71.2% | $9,312-81.3% | $5,306-67.2% |