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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 | $70,238 | $80,781-13.1% | $102,437-31.4% | $74,478-5.7% |
| Participation rate | 20.3% | 65.7%-45.4pp | 74.5%-54.2pp | 67.2%-46.9pp |
| Annual return | 11.28% | 27.58%-16.3pp | 24.95%-13.7pp | 1370.56%-1359.3pp |
| Employer contribution / active EE | $824 | $3,160-73.9% | $3,871-78.7% | $2,626-68.6% |
| Participant deferral / active EE | $1,689 | $3,862-56.3% | $5,060-66.6% | $4,350-61.2% |
| Admin fee / account holder | $10,874 | $2,372+358.4% | $8,388+29.6% | $1,946+458.8% |