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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 | $45,492 | $83,369-45.4% | $105,223-56.8% | $67,986-33.1% |
| Participation rate | 43.1% | 56.3%-13.2pp | 75.0%-32.0pp | 57.2%-14.2pp |
| Annual return | 20.57% | 24.64%-4.1pp | 180.65%-160.1pp | 31.67%-11.1pp |
| Employer contribution / active EE | $1,894 | $2,541-25.4% | $3,689-48.6% | $2,019-6.2% |
| Participant deferral / active EE | $4,010 | $3,295+21.7% | $5,072-20.9% | $3,358+19.4% |
| Admin fee / account holder | $4,245 | $4,073+4.2% | $8,859-52.1% | $3,203+32.5% |