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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 | $46,431 | $89,370-48.0% | $141,197-67.1% | $72,976-36.4% |
| Participation rate | 40.0% | 75.1%-35.1pp | 82.5%-42.5pp | 69.5%-29.5pp |
| Annual return | 27.10% | 111.88%-84.8pp | 71.41%-44.3pp | 81.02%-53.9pp |
| Employer contribution / active EE | $1,856 | $3,115-40.4% | $4,736-60.8% | $2,440-23.9% |
| Participant deferral / active EE | $4,592 | $5,419-15.2% | $6,710-31.6% | $3,608+27.3% |
| Admin fee / account holder | $4,922 | $5,957-17.4% | $10,265-52.0% | $5,124-3.9% |