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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 | $60,499 | $157,829-61.7% | $136,867-55.8% | $198,609-69.5% |
| Participation rate | 27.3% | 77.2%-49.9pp | 74.5%-47.3pp | 82.4%-55.1pp |
| Annual return | 19.75% | 51.25%-31.5pp | 42.97%-23.2pp | 202.70%-182.9pp |
| Employer contribution / active EE | $857 | $3,923-78.2% | $3,547-75.8% | $5,055-83.0% |
| Participant deferral / active EE | $3,849 | $5,463-29.5% | $4,924-21.8% | $6,977-44.8% |
| Admin fee / account holder | $1,556 | $11,107-86.0% | $10,340-84.9% | $19,030-91.8% |