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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 | $85,406 | $89,370-4.4% | $141,197-39.5% | $72,976+17.0% |
| Participation rate | 52.3% | 75.1%-22.9pp | 82.5%-30.2pp | 69.5%-17.2pp |
| Annual return | 20.32% | 111.88%-91.6pp | 71.41%-51.1pp | 81.02%-60.7pp |
| Employer contribution / active EE | $3,444 | $3,115+10.6% | $4,736-27.3% | $2,440+41.1% |
| Participant deferral / active EE | $3,679 | $5,419-32.1% | $6,710-45.2% | $3,608+2.0% |
| Admin fee / account holder | $2,970 | $5,957-50.1% | $10,265-71.1% | $5,124-42.0% |