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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 | $44,974 | $99,994-55.0% | $146,647-69.3% | $85,851-47.6% |
| Participation rate | 59.6% | 73.1%-13.5pp | 80.1%-20.5pp | 69.3%-9.7pp |
| Annual return | 12.40% | 18.93%-6.5pp | 22.75%-10.3pp | 318.63%-306.2pp |
| Employer contribution / active EE | $1,959 | $2,559-23.4% | $4,137-52.6% | $2,565-23.6% |
| Participant deferral / active EE | $2,395 | $4,006-40.2% | $5,506-56.5% | $3,952-39.4% |
| Admin fee / account holder | $2,375 | $7,703-69.2% | $10,281-76.9% | $6,261-62.1% |