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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 | $81,820 | $49,976+63.7% | $66,674+22.7% | $82,637-1.0% |
| Participation rate | 51.9% | 63.1%-11.2pp | 73.7%-21.8pp | 68.1%-16.2pp |
| Annual return | 13.82% | 39.09%-25.3pp | 321.24%-307.4pp | 53.51%-39.7pp |
| Employer contribution / active EE | $665 | $1,988-66.5% | $2,620-74.6% | $2,552-73.9% |
| Participant deferral / active EE | $1,166 | $2,847-59.1% | $4,084-71.5% | $4,126-71.8% |
| Admin fee / account holder | $2,499 | $4,594-45.6% | $5,098-51.0% | $7,339-66.0% |