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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 | $63,593 | $113,338-43.9% | $94,993-33.1% | $147,586-56.9% |
| Participation rate | 33.3% | 78.0%-44.6pp | 73.9%-40.6pp | 82.8%-49.5pp |
| Annual return | 22.48% | 20.80%+1.7pp | 27.14%-4.7pp | 578.59%-556.1pp |
| Employer contribution / active EE | $884 | $3,160-72.0% | $2,603-66.0% | $4,876-81.9% |
| Participant deferral / active EE | $2,519 | $3,777-33.3% | $3,317-24.1% | $5,439-53.7% |
| Admin fee / account holder | $796 | $6,063-86.9% | $4,960-83.9% | $10,886-92.7% |