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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 | $42,191 | $99,053-57.4% | $88,179-52.2% | $138,895-69.6% |
| Participation rate | 62.5% | 74.2%-11.7pp | 69.1%-6.6pp | 79.9%-17.4pp |
| Annual return | 24.17% | 78.17%-54.0pp | 64.97%-40.8pp | 145.39%-121.2pp |
| Employer contribution / active EE | $3,138 | $2,882+8.9% | $2,549+23.1% | $4,194-25.2% |
| Participant deferral / active EE | $8,159 | $5,225+56.1% | $4,614+76.8% | $6,396+27.6% |
| Admin fee / account holder | $364 | $8,748-95.8% | $7,673-95.3% | $12,562-97.1% |