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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 | $35,932 | $79,223-54.6% | $102,460-64.9% | $74,478-51.8% |
| Participation rate | 55.7% | 74.8%-19.0pp | 76.5%-20.8pp | 67.2%-11.5pp |
| Annual return | 15.24% | 54.98%-39.7pp | 29.47%-14.2pp | 1370.56%-1355.3pp |
| Employer contribution / active EE | $2,382 | $2,363+0.8% | $3,025-21.3% | $2,626-9.3% |
| Participant deferral / active EE | $3,192 | $4,417-27.7% | $5,056-36.9% | $4,350-26.6% |
| Admin fee / account holder | $2,733 | $2,003+36.4% | $9,460-71.1% | $1,946+40.4% |