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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 | $34,017 | $65,395-48.0% | $182,558-81.4% | $72,976-53.4% |
| Participation rate | 69.7% | 65.4%+4.3pp | 78.0%-8.3pp | 69.5%+0.2pp |
| Annual return | 58.17% | 27.68%+30.5pp | 148.59%-90.4pp | 81.02%-22.8pp |
| Employer contribution / active EE | $1,217 | $1,911-36.3% | $4,076-70.1% | $2,440-50.1% |
| Participant deferral / active EE | $2,300 | $3,563-35.4% | $5,526-58.4% | $3,608-36.2% |
| Admin fee / account holder | $1,414 | $4,245-66.7% | $8,594-83.5% | $5,124-72.4% |