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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 | $36,591 | $106,267-65.6% | $96,520-62.1% | $139,456-73.8% |
| Participation rate | 60.0% | 77.8%-17.8pp | 74.3%-14.3pp | 80.3%-20.3pp |
| Annual return | 30.28% | 38.45%-8.2pp | 35.72%-5.4pp | 373.45%-343.2pp |
| Employer contribution / active EE | $2,207 | $4,105-46.2% | $3,739-41.0% | $4,753-53.6% |
| Participant deferral / active EE | $7,698 | $5,454+41.1% | $4,879+57.8% | $6,711+14.7% |
| Admin fee / account holder | $2,816 | $7,882-64.3% | $6,733-58.2% | $11,407-75.3% |