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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 | $57,745 | $107,421-46.2% | $182,262-68.3% | $94,015-38.6% |
| Participation rate | 55.0% | 77.8%-22.8pp | 84.2%-29.2pp | 70.8%-15.8pp |
| Annual return | 19.79% | 21.32%-1.5pp | 140.60%-120.8pp | 17.84%+1.9pp |
| Employer contribution / active EE | $1,394 | $3,448-59.6% | $5,046-72.4% | $2,790-50.1% |
| Participant deferral / active EE | $3,957 | $6,558-39.7% | $8,276-52.2% | $4,249-6.9% |
| Admin fee / account holder | $777 | $8,692-91.1% | $16,712-95.4% | $8,951-91.3% |