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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 | $54,919 | $100,147-45.2% | $81,286-32.4% | $145,877-62.4% |
| Participation rate | 62.5% | 74.2%-11.7pp | 69.5%-7.0pp | 80.3%-17.8pp |
| Annual return | 18.62% | 34.44%-15.8pp | 24.80%-6.2pp | 551.28%-532.7pp |
| Employer contribution / active EE | $750 | $2,977-74.8% | $2,463-69.5% | $4,663-83.9% |
| Participant deferral / active EE | $7,321 | $4,607+58.9% | $3,883+88.5% | $6,691+9.4% |
| Admin fee / account holder | $3,412 | $8,201-58.4% | $5,764-40.8% | $13,402-74.5% |