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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 | $44,125 | $100,203-56.0% | $85,240-48.2% | $145,897-69.8% |
| Participation rate | 66.7% | 74.1%-7.4pp | 67.5%-0.9pp | 80.3%-13.6pp |
| Annual return | 9.56% | 84.28%-74.7pp | 66.75%-57.2pp | 552.29%-542.7pp |
| Employer contribution / active EE | $2,004 | $3,242-38.2% | $2,735-26.7% | $4,663-57.0% |
| Participant deferral / active EE | $4,244 | $5,299-19.9% | $4,527-6.2% | $6,689-36.5% |
| Admin fee / account holder | $2,331 | $7,265-67.9% | $6,165-62.2% | $13,390-82.6% |