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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 | $33,744 | $105,200-67.9% | $159,474-78.8% | $85,847-60.7% |
| Participation rate | 48.6% | 75.8%-27.2pp | 82.8%-34.3pp | 69.3%-20.7pp |
| Annual return | 13.53% | 45.08%-31.5pp | 263.68%-250.1pp | 318.61%-305.1pp |
| Employer contribution / active EE | $3,612 | $3,319+8.8% | $4,831-25.2% | $2,565+40.8% |
| Participant deferral / active EE | $3,127 | $5,946-47.4% | $7,353-57.5% | $3,952-20.9% |
| Admin fee / account holder | $6,020 | $6,934-13.2% | $10,802-44.3% | $6,261-3.8% |