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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 | $47,754 | $98,240-51.4% | $82,312-42.0% | $147,586-67.6% |
| Participation rate | 28.6% | 79.7%-51.2pp | 76.9%-48.3pp | 82.8%-54.3pp |
| Annual return | 16.92% | 30.85%-13.9pp | 25.88%-9.0pp | 578.59%-561.7pp |
| Employer contribution / active EE | $658 | $3,192-79.4% | $2,428-72.9% | $4,876-86.5% |
| Participant deferral / active EE | $1,876 | $4,383-57.2% | $3,706-49.4% | $5,439-65.5% |
| Admin fee / account holder | $3,260 | $8,563-61.9% | $5,608-41.9% | $10,886-70.1% |