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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 | $53,651 | $93,345-42.5% | $119,126-55.0% | $87,485-38.7% |
| Participation rate | 61.9% | 68.7%-6.8pp | 75.8%-13.9pp | 68.9%-7.0pp |
| Annual return | 19.36% | 19.08%+0.3pp | 282.11%-262.7pp | 26.06%-6.7pp |
| Employer contribution / active EE | $1,605 | $3,172-49.4% | $4,034-60.2% | $2,596-38.2% |
| Participant deferral / active EE | $3,002 | $4,099-26.8% | $5,318-43.6% | $4,274-29.8% |
| Admin fee / account holder | $625 | $8,039-92.2% | $10,693-94.2% | $7,775-92.0% |