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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 | $68,531 | $125,193-45.3% | $105,591-35.1% | $145,978-53.1% |
| Participation rate | 36.4% | 77.6%-41.3pp | 75.3%-38.9pp | 80.3%-43.9pp |
| Annual return | 15.18% | 225.53%-210.3pp | 116.43%-101.2pp | 550.52%-535.3pp |
| Employer contribution / active EE | $1,286 | $3,718-65.4% | $3,166-59.4% | $4,662-72.4% |
| Participant deferral / active EE | $3,394 | $5,708-40.5% | $5,008-32.2% | $6,690-49.3% |
| Admin fee / account holder | $12,152 | $17,277-29.7% | $11,024+10.2% | $13,400-9.3% |