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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 | $71,155 | $99,652-28.6% | $78,778-9.7% | $147,586-51.8% |
| Participation rate | 50.0% | 76.2%-26.2pp | 69.2%-19.2pp | 82.8%-32.8pp |
| Annual return | 19.62% | 47.28%-27.7pp | 35.62%-16.0pp | 578.59%-559.0pp |
| Employer contribution / active EE | $1,770 | $2,796-36.7% | $1,986-10.8% | $4,876-63.7% |
| Participant deferral / active EE | $2,432 | $3,664-33.6% | $2,958-17.8% | $5,439-55.3% |
| Admin fee / account holder | $387 | $7,155-94.6% | $5,134-92.5% | $10,886-96.4% |