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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 | $27,287 | $88,672-69.2% | $105,223-74.1% | $82,448-66.9% |
| Participation rate | 60.7% | 67.9%-7.2pp | 75.0%-14.3pp | 68.1%-7.4pp |
| Annual return | 24.37% | 30.86%-6.5pp | 180.65%-156.3pp | 41.64%-17.3pp |
| Employer contribution / active EE | $1,704 | $3,048-44.1% | $3,689-53.8% | $2,551-33.2% |
| Participant deferral / active EE | $3,789 | $4,036-6.1% | $5,072-25.3% | $4,139-8.5% |
| Admin fee / account holder | $1,132 | $7,146-84.2% | $8,859-87.2% | $7,234-84.4% |