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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 | $62,734 | $50,082+25.3% | $93,419-32.8% | $79,852-21.4% |
| Participation rate | 20.7% | 60.9%-40.2pp | 66.8%-46.1pp | 69.6%-48.9pp |
| Annual return | 20.23% | 24.59%-4.4pp | 78.05%-57.8pp | 31.72%-11.5pp |
| Employer contribution / active EE | $784 | $1,303-39.9% | $2,075-62.2% | $2,471-68.3% |
| Participant deferral / active EE | $2,060 | $2,212-6.9% | $3,126-34.1% | $3,740-44.9% |
| Admin fee / account holder | $1,103 | $3,454-68.1% | $5,230-78.9% | $5,306-79.2% |