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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 | $64,391 | $78,707-18.2% | $117,861-45.4% | $70,126-8.2% |
| Participation rate | 54.0% | 73.2%-19.2pp | 79.7%-25.7pp | 69.5%-15.5pp |
| Annual return | 19.89% | 23.30%-3.4pp | 335.11%-315.2pp | 73.15%-53.3pp |
| Employer contribution / active EE | $1,207 | $2,223-45.7% | $3,786-68.1% | $2,343-48.5% |
| Participant deferral / active EE | $2,567 | $3,297-22.1% | $4,482-42.7% | $3,332-23.0% |
| Admin fee / account holder | $536 | $5,066-89.4% | $8,021-93.3% | $4,645-88.5% |