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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 | $34,544 | $47,105-26.7% | $68,368-49.5% | $67,986-49.2% |
| Participation rate | 60.5% | 51.8%+8.7pp | 73.8%-13.3pp | 57.2%+3.3pp |
| Annual return | 23.21% | 48.37%-25.2pp | 292.57%-269.4pp | 31.67%-8.5pp |
| Employer contribution / active EE | $1,104 | $1,859-40.6% | $2,649-58.3% | $2,019-45.3% |
| Participant deferral / active EE | $2,804 | $2,374+18.1% | $4,123-32.0% | $3,358-16.5% |
| Admin fee / account holder | $1,870 | $2,435-23.2% | $5,150-63.7% | $3,203-41.6% |