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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 | $40,544 | $110,337-63.3% | $102,383-60.4% | $145,877-72.2% |
| Participation rate | 66.7% | 77.9%-11.3pp | 74.5%-7.8pp | 80.3%-13.6pp |
| Annual return | 41.73% | 24.83%+16.9pp | 24.94%+16.8pp | 551.28%-509.5pp |
| Employer contribution / active EE | $4,670 | $4,216+10.8% | $3,870+20.7% | $4,663+0.1% |
| Participant deferral / active EE | $7,212 | $5,621+28.3% | $5,060+42.5% | $6,691+7.8% |
| Admin fee / account holder | $5,532 | $9,750-43.3% | $8,391-34.1% | $13,402-58.7% |