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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 | $52,259 | $39,162+33.4% | $100,671-48.1% | $59,633-12.4% |
| Participation rate | 61.5% | 55.9%+5.7pp | 70.7%-9.2pp | 68.7%-7.1pp |
| Annual return | -1.78% | 21.07%-22.8pp | 20.43%-22.2pp | 2041.45%-2043.2pp |
| Employer contribution / active EE | $1,725 | $1,151+50.0% | $4,012-57.0% | $2,203-21.7% |
| Participant deferral / active EE | $2,247 | $1,992+12.8% | $3,144-28.5% | $3,192-29.6% |
| Admin fee / account holder | $2,559 | $2,969-13.8% | $4,850-47.2% | $4,297-40.4% |