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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 | $47,586 | $77,908-38.9% | $149,696-68.2% | $75,173-36.7% |
| Participation rate | 65.4% | 65.6%-0.2pp | 78.8%-13.4pp | 67.2%-1.8pp |
| Annual return | 25.01% | 31.73%-6.7pp | 134.46%-109.5pp | 160.72%-135.7pp |
| Employer contribution / active EE | $1,655 | $3,138-47.3% | $4,821-65.7% | $2,671-38.0% |
| Participant deferral / active EE | $4,418 | $3,411+29.5% | $5,682-22.2% | $4,126+7.1% |
| Admin fee / account holder | $458 | $5,950-92.3% | $13,212-96.5% | $5,651-91.9% |