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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 | $55,047 | $98,776-44.3% | $149,745-63.2% | $79,856-31.1% |
| Participation rate | 50.0% | 75.8%-25.8pp | 82.5%-32.5pp | 69.6%-19.6pp |
| Annual return | 12.71% | 27.38%-14.7pp | 276.72%-264.0pp | 31.71%-19.0pp |
| Employer contribution / active EE | $1,798 | $3,217-44.1% | $4,646-61.3% | $2,471-27.2% |
| Participant deferral / active EE | $5,112 | $5,681-10.0% | $6,843-25.3% | $3,741+36.7% |
| Admin fee / account holder | $7,369 | $6,053+21.8% | $9,312-20.9% | $5,306+38.9% |