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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 | $63,819 | $110,410-42.2% | $102,437-37.7% | $145,897-56.3% |
| Participation rate | 35.0% | 77.9%-42.9pp | 74.5%-39.5pp | 80.3%-45.3pp |
| Annual return | 10.98% | 24.85%-13.9pp | 24.95%-14.0pp | 552.29%-541.3pp |
| Employer contribution / active EE | $1,183 | $4,217-72.0% | $3,871-69.4% | $4,663-74.6% |
| Participant deferral / active EE | $2,388 | $5,622-57.5% | $5,060-52.8% | $6,689-64.3% |
| Admin fee / account holder | $5,098 | $9,745-47.7% | $8,388-39.2% | $13,390-61.9% |