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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 | $52,019 | $48,364+7.6% | $71,796-27.5% | $62,881-17.3% |
| Participation rate | 60.4% | 60.6%-0.2pp | 69.1%-8.7pp | 69.3%-8.9pp |
| Annual return | 16.67% | 13.16%+3.5pp | 78.04%-61.4pp | 20.14%-3.5pp |
| Employer contribution / active EE | $2,147 | $1,042+106.0% | $1,924+11.5% | $2,281-5.9% |
| Participant deferral / active EE | $2,675 | $2,091+27.9% | $2,794-4.3% | $3,203-16.5% |
| Admin fee / account holder | $492 | $3,771-87.0% | $4,815-89.8% | $4,296-88.6% |