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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 | $65,706 | $52,279+25.7% | $89,414-26.5% | $79,852-17.7% |
| Participation rate | 48.8% | 57.5%-8.8pp | 68.0%-19.2pp | 69.6%-20.9pp |
| Annual return | 15.93% | 22.16%-6.2pp | 245.50%-229.6pp | 31.72%-15.8pp |
| Employer contribution / active EE | $1,297 | $1,572-17.5% | $2,586-49.9% | $2,471-47.5% |
| Participant deferral / active EE | $2,287 | $2,740-16.5% | $3,890-41.2% | $3,740-38.8% |
| Admin fee / account holder | $1,098 | $3,356-67.3% | $4,883-77.5% | $5,306-79.3% |