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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 | $47,259 | $68,681-31.2% | $86,615-45.4% | $85,847-44.9% |
| Participation rate | 59.3% | 66.4%-7.1pp | 71.6%-12.4pp | 69.3%-10.1pp |
| Annual return | 33.35% | 20.12%+13.2pp | 63.51%-30.2pp | 318.61%-285.3pp |
| Employer contribution / active EE | $2,360 | $1,880+25.5% | $2,496-5.5% | $2,565-8.0% |
| Participant deferral / active EE | $4,125 | $2,919+41.3% | $3,699+11.5% | $3,952+4.4% |
| Admin fee / account holder | $1,183 | $5,974-80.2% | $5,830-79.7% | $6,261-81.1% |