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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 | $38,251 | $69,118-44.7% | $53,647-28.7% | $138,895-72.5% |
| Participation rate | 61.9% | 64.0%-2.1pp | 56.3%+5.6pp | 79.9%-18.0pp |
| Annual return | 15.19% | 248.26%-233.1pp | 358.33%-343.1pp | 145.39%-130.2pp |
| Employer contribution / active EE | $776 | $1,189-34.8% | $962-19.3% | $4,194-81.5% |
| Participant deferral / active EE | $3,859 | $2,274+69.7% | $1,813+112.8% | $6,396-39.7% |
| Admin fee / account holder | $555 | $2,724-79.6% | $2,460-77.4% | $12,562-95.6% |