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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 | $56,867 | $65,961-13.8% | $180,320-68.5% | $94,015-39.5% |
| Participation rate | 58.1% | 61.3%-3.2pp | 71.5%-13.5pp | 70.8%-12.8pp |
| Annual return | 17.45% | 14.27%+3.2pp | 778.54%-761.1pp | 17.84%-0.4pp |
| Employer contribution / active EE | $711 | $1,737-59.1% | $4,108-82.7% | $2,790-74.5% |
| Participant deferral / active EE | $1,674 | $3,003-44.3% | $4,304-61.1% | $4,249-60.6% |
| Admin fee / account holder | $504 | $4,901-89.7% | $10,000-95.0% | $8,951-94.4% |