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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 | $132,089 | $165,939-20.4% | $122,354+8.0% | $147,586-10.5% |
| Participation rate | 16.7% | 79.6%-62.9pp | 71.6%-55.0pp | 82.8%-66.2pp |
| Annual return | 24.76% | 34.56%-9.8pp | 30.28%-5.5pp | 578.59%-553.8pp |
| Employer contribution / active EE | $682 | $5,754-88.1% | $4,051-83.2% | $4,876-86.0% |
| Participant deferral / active EE | $1,467 | $4,005-63.4% | $3,287-55.4% | $5,439-73.0% |
| Admin fee / account holder | $16,031 | $7,425+115.9% | $5,479+192.6% | $10,886+47.3% |