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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 | $40,652 | $50,666-19.8% | $76,667-47.0% | $65,186-37.6% |
| Participation rate | 60.8% | 68.8%-8.0pp | 72.1%-11.3pp | 70.2%-9.4pp |
| Annual return | 30.71% | 28.51%+2.2pp | 1166.74%-1136.0pp | 29.39%+1.3pp |
| Employer contribution / active EE | $1,407 | $1,575-10.6% | $2,303-38.9% | $2,177-35.3% |
| Participant deferral / active EE | $2,931 | $2,647+10.8% | $3,336-12.1% | $3,514-16.6% |
| Admin fee / account holder | $5,418 | $463+1070.2% | $6,423-15.7% | $847+539.4% |