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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 | $38,089 | $70,684-46.1% | $169,390-77.5% | $75,173-49.3% |
| Participation rate | 68.8% | 64.8%+3.9pp | 77.2%-8.4pp | 67.2%+1.5pp |
| Annual return | 22.35% | 36.38%-14.0pp | 406.07%-383.7pp | 160.72%-138.4pp |
| Employer contribution / active EE | $1,883 | $2,211-14.8% | $4,013-53.1% | $2,671-29.5% |
| Participant deferral / active EE | $3,291 | $4,310-23.6% | $6,222-47.1% | $4,126-20.3% |
| Admin fee / account holder | $2,068 | $5,404-61.7% | $9,015-77.1% | $5,651-63.4% |