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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 | $51,007 | $89,370-42.9% | $141,197-63.9% | $72,976-30.1% |
| Participation rate | 69.7% | 75.1%-5.4pp | 82.5%-12.8pp | 69.5%+0.2pp |
| Annual return | 30.19% | 111.88%-81.7pp | 71.41%-41.2pp | 81.02%-50.8pp |
| Employer contribution / active EE | $2,562 | $3,115-17.8% | $4,736-45.9% | $2,440+5.0% |
| Participant deferral / active EE | $6,553 | $5,419+20.9% | $6,710-2.3% | $3,608+81.6% |
| Admin fee / account holder | $1,944 | $5,957-67.4% | $10,265-81.1% | $5,124-62.1% |