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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 | $47,951 | $78,428-38.9% | $95,960-50.0% | $79,852-39.9% |
| Participation rate | 62.8% | 73.5%-10.7pp | 77.1%-14.3pp | 69.6%-6.9pp |
| Annual return | 48.54% | 19.37%+29.2pp | 91.63%-43.1pp | 31.72%+16.8pp |
| Employer contribution / active EE | $2,605 | $1,945+33.9% | $2,541+2.5% | $2,471+5.4% |
| Participant deferral / active EE | $5,389 | $3,440+56.6% | $4,167+29.3% | $3,740+44.1% |
| Admin fee / account holder | $2,434 | $5,622-56.7% | $6,797-64.2% | $5,306-54.1% |