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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 | $43,705 | $58,234-25.0% | $81,783-46.6% | $80,874-46.0% |
| Participation rate | 69.7% | 63.4%+6.3pp | 72.4%-2.7pp | 67.6%+2.0pp |
| Annual return | 13.57% | 41.70%-28.1pp | 775.05%-761.5pp | 35.62%-22.0pp |
| Employer contribution / active EE | $2,542 | $2,341+8.6% | $2,913-12.7% | $2,756-7.8% |
| Participant deferral / active EE | $4,077 | $3,283+24.2% | $4,320-5.6% | $4,297-5.1% |
| Admin fee / account holder | $1,605 | $4,982-67.8% | $7,380-78.3% | $6,935-76.9% |