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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 | $73,489 | $105,284-30.2% | $150,734-51.2% | $94,015-21.8% |
| Participation rate | 43.2% | 71.7%-28.5pp | 78.4%-35.2pp | 70.8%-27.6pp |
| Annual return | 12.62% | 15.67%-3.1pp | 600.81%-588.2pp | 17.84%-5.2pp |
| Employer contribution / active EE | $1,663 | $3,599-53.8% | $4,918-66.2% | $2,790-40.4% |
| Participant deferral / active EE | $2,772 | $4,274-35.1% | $5,610-50.6% | $4,249-34.8% |
| Admin fee / account holder | $4,432 | $9,839-54.9% | $14,905-70.3% | $8,951-50.5% |