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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 | $40,680 | $96,731-57.9% | $123,973-67.2% | $86,983-53.2% |
| Participation rate | 69.4% | 70.0%-0.6pp | 76.7%-7.3pp | 69.5%-0.2pp |
| Annual return | 14.33% | 17.33%-3.0pp | 388.13%-373.8pp | 25.83%-11.5pp |
| Employer contribution / active EE | $1,745 | $3,297-47.1% | $4,126-57.7% | $2,584-32.5% |
| Participant deferral / active EE | $3,080 | $4,152-25.8% | $5,247-41.3% | $4,194-26.6% |
| Admin fee / account holder | $3,730 | $8,722-57.2% | $11,799-68.4% | $7,856-52.5% |