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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 | $42,640 | $77,638-45.1% | $156,551-72.8% | $62,881-32.2% |
| Participation rate | 69.7% | 71.2%-1.5pp | 84.0%-14.3pp | 69.3%+0.4pp |
| Annual return | 6.83% | 50.33%-43.5pp | 32.23%-25.4pp | 20.14%-13.3pp |
| Employer contribution / active EE | $1,441 | $3,444-58.1% | $5,501-73.8% | $2,281-36.8% |
| Participant deferral / active EE | $2,912 | $3,046-4.4% | $4,871-40.2% | $3,203-9.1% |
| Admin fee / account holder | $1,514 | $5,561-72.8% | $13,028-88.4% | $4,296-64.7% |