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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 | $51,551 | $78,705-34.5% | $117,860-56.3% | $70,124-26.5% |
| Participation rate | 53.8% | 73.2%-19.3pp | 79.7%-25.8pp | 69.5%-15.7pp |
| Annual return | 22.48% | 23.30%-0.8pp | 335.10%-312.6pp | 73.14%-50.7pp |
| Employer contribution / active EE | $1,679 | $2,223-24.5% | $3,786-55.7% | $2,342-28.3% |
| Participant deferral / active EE | $2,688 | $3,297-18.5% | $4,482-40.0% | $3,332-19.3% |
| Admin fee / account holder | $875 | $5,065-82.7% | $8,021-89.1% | $4,645-81.2% |