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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 | $86,314 | $78,690+9.7% | $161,489-46.6% | $87,485-1.3% |
| Participation rate | 40.5% | 67.5%-27.0pp | 78.7%-38.2pp | 68.9%-28.5pp |
| Annual return | 14.46% | 32.74%-18.3pp | 89.72%-75.3pp | 26.06%-11.6pp |
| Employer contribution / active EE | $979 | $2,588-62.2% | $4,268-77.1% | $2,596-62.3% |
| Participant deferral / active EE | $2,096 | $3,311-36.7% | $5,630-62.8% | $4,274-51.0% |
| Admin fee / account holder | $1,127 | $6,724-83.2% | $16,006-93.0% | $7,775-85.5% |