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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 | $59,055 | $58,275+1.3% | $81,844-27.8% | $80,935-27.0% |
| Participation rate | 56.9% | 63.5%-6.5pp | 72.4%-15.5pp | 67.7%-10.7pp |
| Annual return | 11.32% | 41.82%-30.5pp | 778.87%-767.6pp | 35.66%-24.3pp |
| Employer contribution / active EE | $1,198 | $2,346-48.9% | $2,916-58.9% | $2,757-56.5% |
| Participant deferral / active EE | $1,922 | $3,285-41.5% | $4,323-55.6% | $4,299-55.3% |
| Admin fee / account holder | $1,076 | $4,749-77.3% | $7,355-85.4% | $6,924-84.5% |