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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 | $41,192 | $102,595-59.8% | $94,057-56.2% | $154,746-73.4% |
| Participation rate | 50.0% | 76.0%-26.0pp | 73.3%-23.3pp | 80.7%-30.7pp |
| Annual return | 17.64% | 583.42%-565.8pp | 480.62%-463.0pp | 172.34%-154.7pp |
| Employer contribution / active EE | $3,180 | $3,147+1.0% | $2,933+8.4% | $4,379-27.4% |
| Participant deferral / active EE | $4,818 | $5,118-5.9% | $4,709+2.3% | $6,730-28.4% |
| Admin fee / account holder | $3,426 | $7,736-55.7% | $7,244-52.7% | $14,365-76.2% |