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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 | $50,266 | $90,400-44.4% | $186,193-73.0% | $87,485-42.5% |
| Participation rate | 69.0% | 66.2%+2.9pp | 77.1%-8.1pp | 68.9%+0.1pp |
| Annual return | 43.11% | 22.15%+21.0pp | 78.03%-34.9pp | 26.06%+17.0pp |
| Employer contribution / active EE | $2,058 | $2,170-5.2% | $3,918-47.5% | $2,596-20.7% |
| Participant deferral / active EE | $3,748 | $4,330-13.4% | $6,513-42.5% | $4,274-12.3% |
| Admin fee / account holder | $21,771 | $8,673+151.0% | $11,058+96.9% | $7,775+180.0% |