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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 | $106,247-65.6% | $96,515-62.1% | $139,466-73.8% |
| Participation rate | 60.0% | 77.8%-17.8pp | 74.3%-14.3pp | 80.3%-20.3pp |
| Annual return | 30.28% | 38.47%-8.2pp | 35.73%-5.5pp | 373.66%-343.4pp |
| Employer contribution / active EE | $2,207 | $4,106-46.2% | $3,740-41.0% | $4,754-53.6% |
| Participant deferral / active EE | $7,698 | $5,456+41.1% | $4,880+57.8% | $6,712+14.7% |
| Admin fee / account holder | $2,816 | $7,885-64.3% | $6,735-58.2% | $11,409-75.3% |