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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 | $37,001 | $77,638-52.3% | $156,551-76.4% | $62,881-41.2% |
| Participation rate | 56.5% | 71.2%-14.7pp | 84.0%-27.5pp | 69.3%-12.8pp |
| Annual return | 6.57% | 50.33%-43.8pp | 32.23%-25.7pp | 20.14%-13.6pp |
| Employer contribution / active EE | $1,915 | $3,444-44.4% | $5,501-65.2% | $2,281-16.0% |
| Participant deferral / active EE | $1,594 | $3,046-47.7% | $4,871-67.3% | $3,203-50.2% |
| Admin fee / account holder | $365 | $5,561-93.4% | $13,028-97.2% | $4,296-91.5% |