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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 | $45,224 | $83,369-45.8% | $105,223-57.0% | $67,986-33.5% |
| Participation rate | 66.7% | 56.3%+10.4pp | 75.0%-8.4pp | 57.2%+9.5pp |
| Annual return | 17.39% | 24.64%-7.3pp | 180.65%-163.3pp | 31.67%-14.3pp |
| Employer contribution / active EE | $1,831 | $2,541-27.9% | $3,689-50.3% | $2,019-9.3% |
| Participant deferral / active EE | $3,007 | $3,295-8.7% | $5,072-40.7% | $3,358-10.5% |
| Admin fee / account holder | $3,820 | $4,073-6.2% | $8,859-56.9% | $3,203+19.3% |