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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 | $75,596 | $61,125+23.7% | $94,057-19.6% | $87,485-13.6% |
| Participation rate | 40.5% | 64.1%-23.6pp | 73.3%-32.9pp | 68.9%-28.5pp |
| Annual return | 24.44% | 35.20%-10.8pp | 480.62%-456.2pp | 26.06%-1.6pp |
| Employer contribution / active EE | $1,331 | $2,136-37.7% | $2,933-54.6% | $2,596-48.7% |
| Participant deferral / active EE | $3,640 | $3,260+11.7% | $4,709-22.7% | $4,274-14.8% |
| Admin fee / account holder | $1,327 | $5,629-76.4% | $7,244-81.7% | $7,775-82.9% |