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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 | $32,354 | $111,535-71.0% | $105,223-69.3% | $137,256-76.4% |
| Participation rate | 62.5% | 78.1%-15.6pp | 75.0%-12.5pp | 80.0%-17.5pp |
| Annual return | 15.08% | 237.85%-222.8pp | 180.65%-165.6pp | 220.34%-205.3pp |
| Employer contribution / active EE | $2,243 | $3,939-43.1% | $3,689-39.2% | $4,156-46.0% |
| Participant deferral / active EE | $5,167 | $5,500-6.0% | $5,072+1.9% | $6,407-19.3% |
| Admin fee / account holder | $3,864 | $9,721-60.3% | $8,859-56.4% | $12,270-68.5% |