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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 | $52,620 | $85,171-38.2% | $172,753-69.5% | $72,976-27.9% |
| Participation rate | 63.4% | 70.1%-6.6pp | 82.6%-19.2pp | 69.5%-6.1pp |
| Annual return | 26.20% | 27.32%-1.1pp | 803.00%-776.8pp | 81.02%-54.8pp |
| Employer contribution / active EE | $1,610 | $3,324-51.6% | $5,144-68.7% | $2,440-34.0% |
| Participant deferral / active EE | $3,847 | $3,260+18.0% | $5,198-26.0% | $3,608+6.6% |
| Admin fee / account holder | $759 | $5,880-87.1% | $13,956-94.6% | $5,124-85.2% |