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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 | $52,654 | $49,471+6.4% | $79,583-33.8% | $66,949-21.4% |
| Participation rate | 61.8% | 61.4%+0.4pp | 69.5%-7.7pp | 69.8%-8.0pp |
| Annual return | 27.78% | 84.30%-56.5pp | 0.16%+27.6pp | 1.57%+26.2pp |
| Employer contribution / active EE | $326 | $1,266-74.2% | $2,414-86.5% | $2,545-87.2% |
| Participant deferral / active EE | $2,004 | $3,160-36.6% | $3,986-49.7% | $4,239-52.7% |
| Admin fee / account holder | $3,374 | $595+467.2% | $6,835-50.6% | $594+468.4% |