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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 | $100,073-55.9% | $85,126-48.2% | $145,877-69.8% |
| Participation rate | 66.7% | 74.1%-7.4pp | 67.5%-0.9pp | 80.3%-13.6pp |
| Annual return | 9.56% | 84.11%-74.5pp | 66.63%-57.1pp | 551.28%-541.7pp |
| Employer contribution / active EE | $2,004 | $3,236-38.1% | $2,731-26.6% | $4,663-57.0% |
| Participant deferral / active EE | $4,244 | $5,294-19.8% | $4,523-6.2% | $6,691-36.6% |
| Admin fee / account holder | $2,331 | $7,261-67.9% | $6,160-62.2% | $13,402-82.6% |