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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 | $70,171 | $89,367-21.5% | $141,191-50.3% | $72,975-3.8% |
| Participation rate | 65.8% | 75.1%-9.3pp | 82.5%-16.7pp | 69.5%-3.7pp |
| Annual return | 20.19% | 111.87%-91.7pp | 71.41%-51.2pp | 81.01%-60.8pp |
| Employer contribution / active EE | $2,393 | $3,115-23.2% | $4,736-49.5% | $2,440-1.9% |
| Participant deferral / active EE | $5,267 | $5,419-2.8% | $6,710-21.5% | $3,608+46.0% |
| Admin fee / account holder | $8,718 | $5,957+46.4% | $10,264-15.1% | $5,124+70.1% |