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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 | $44,002 | $106,918-58.8% | $84,021-47.6% | $152,897-71.2% |
| Participation rate | 66.7% | 75.2%-8.6pp | 69.0%-2.4pp | 82.5%-15.8pp |
| Annual return | 21.37% | 105.01%-83.6pp | 71.32%-50.0pp | 345.43%-324.1pp |
| Employer contribution / active EE | $1,360 | $2,735-50.3% | $1,984-31.5% | $4,764-71.5% |
| Participant deferral / active EE | $3,447 | $4,012-14.1% | $3,239+6.4% | $5,851-41.1% |
| Admin fee / account holder | $310 | $8,288-96.3% | $6,102-94.9% | $11,599-97.3% |