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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 | $40,092 | $84,236-52.4% | $170,435-76.5% | $70,126-42.8% |
| Participation rate | 46.1% | 70.8%-24.8pp | 83.6%-37.5pp | 69.5%-23.5pp |
| Annual return | 41.19% | 23.06%+18.1pp | 205.94%-164.7pp | 73.15%-32.0pp |
| Employer contribution / active EE | $2,674 | $3,387-21.1% | $5,432-50.8% | $2,343+14.2% |
| Participant deferral / active EE | $3,246 | $3,086+5.2% | $4,939-34.3% | $3,332-2.6% |
| Admin fee / account holder | $1,896 | $5,698-66.7% | $13,881-86.3% | $4,645-59.2% |