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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 | $34,546 | $61,125-43.5% | $94,057-63.3% | $87,485-60.5% |
| Participation rate | 61.5% | 64.1%-2.5pp | 73.3%-11.8pp | 68.9%-7.4pp |
| Annual return | 18.43% | 35.20%-16.8pp | 480.62%-462.2pp | 26.06%-7.6pp |
| Employer contribution / active EE | $1,649 | $2,136-22.8% | $2,933-43.8% | $2,596-36.5% |
| Participant deferral / active EE | $3,449 | $3,260+5.8% | $4,709-26.8% | $4,274-19.3% |
| Admin fee / account holder | $668 | $5,629-88.1% | $7,244-90.8% | $7,775-91.4% |