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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 | $52,346 | $91,179-42.6% | $178,499-70.7% | $79,852-34.4% |
| Participation rate | 48.4% | 69.2%-20.8pp | 81.9%-33.5pp | 69.6%-21.3pp |
| Annual return | 21.15% | 24.19%-3.0pp | 151.10%-130.0pp | 31.72%-10.6pp |
| Employer contribution / active EE | $3,177 | $3,256-2.4% | $5,011-36.6% | $2,471+28.6% |
| Participant deferral / active EE | $7,266 | $3,236+124.5% | $5,202+39.7% | $3,740+94.2% |
| Admin fee / account holder | $3,091 | $6,749-54.2% | $13,986-77.9% | $5,306-41.8% |