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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 | $68,242 | $93,598-27.1% | $135,974-49.8% | $75,173-9.2% |
| Participation rate | 43.8% | 75.2%-31.4pp | 81.9%-38.2pp | 67.2%-23.5pp |
| Annual return | 18.64% | 30.89%-12.2pp | 68.30%-49.7pp | 160.72%-142.1pp |
| Employer contribution / active EE | $1,303 | $3,538-63.2% | $4,859-73.2% | $2,671-51.2% |
| Participant deferral / active EE | $3,803 | $6,405-40.6% | $7,760-51.0% | $4,126-7.8% |
| Admin fee / account holder | $9,155 | $6,978+31.2% | $10,767-15.0% | $5,651+62.0% |