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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 | $31,910 | $52,279-39.0% | $89,414-64.3% | $79,852-60.0% |
| Participation rate | 63.4% | 57.5%+5.9pp | 68.0%-4.6pp | 69.6%-6.2pp |
| Annual return | 12.37% | 22.16%-9.8pp | 245.50%-233.1pp | 31.72%-19.3pp |
| Employer contribution / active EE | $773 | $1,572-50.8% | $2,586-70.1% | $2,471-68.7% |
| Participant deferral / active EE | $1,741 | $2,740-36.5% | $3,890-55.2% | $3,740-53.5% |
| Admin fee / account holder | $5,102 | $3,356+52.0% | $4,883+4.5% | $5,306-3.8% |