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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 | $129,737-75.1% | $119,126-72.8% | $154,746-79.1% |
| Participation rate | 62.5% | 78.9%-16.4pp | 75.8%-13.3pp | 80.7%-18.2pp |
| Annual return | 15.08% | 379.08%-364.0pp | 282.11%-267.0pp | 172.34%-157.3pp |
| Employer contribution / active EE | $2,243 | $4,375-48.7% | $4,034-44.4% | $4,379-48.8% |
| Participant deferral / active EE | $5,167 | $5,842-11.5% | $5,318-2.8% | $6,730-23.2% |
| Admin fee / account holder | $3,864 | $11,961-67.7% | $10,693-63.9% | $14,365-73.1% |