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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 | $35,248 | $60,442-41.7% | $96,754-63.6% | $87,485-59.7% |
| Participation rate | 47.9% | 58.7%-10.8pp | 70.3%-22.4pp | 68.9%-21.0pp |
| Annual return | 82.44% | 21.97%+60.5pp | 82.04%+0.4pp | 26.06%+56.4pp |
| Employer contribution / active EE | $1,859 | $1,691+10.0% | $2,679-30.6% | $2,596-28.4% |
| Participant deferral / active EE | $3,057 | $3,280-6.8% | $4,758-35.7% | $4,274-28.5% |
| Admin fee / account holder | $559 | $5,069-89.0% | $8,905-93.7% | $7,775-92.8% |