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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 | $80,674-43.6% | $119,126-61.8% | $64,340-29.3% |
| Participation rate | 43.1% | 55.2%-12.2pp | 75.8%-32.7pp | 55.2%-12.2pp |
| Annual return | 20.57% | 26.86%-6.3pp | 282.11%-261.5pp | 24.14%-3.6pp |
| Employer contribution / active EE | $1,894 | $2,564-26.1% | $4,034-53.0% | $1,862+1.8% |
| Participant deferral / active EE | $4,010 | $3,053+31.3% | $5,318-24.6% | $2,980+34.5% |
| Admin fee / account holder | $4,245 | $4,559-6.9% | $10,693-60.3% | $3,703+14.6% |