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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 | $78,115 | $152,612-48.8% | $125,192-37.6% | $152,897-48.9% |
| Participation rate | 28.6% | 83.3%-54.8pp | 79.8%-51.2pp | 82.5%-53.9pp |
| Annual return | 15.87% | 54.85%-39.0pp | 43.79%-27.9pp | 345.43%-329.6pp |
| Employer contribution / active EE | $1,278 | $4,947-74.2% | $3,866-66.9% | $4,764-73.2% |
| Participant deferral / active EE | $2,925 | $5,868-50.2% | $4,937-40.8% | $5,851-50.0% |
| Admin fee / account holder | $332 | $13,437-97.5% | $9,704-96.6% | $11,599-97.1% |