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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 | $39,247 | $72,404-45.8% | $110,243-64.4% | $64,173-38.8% |
| Participation rate | 68.1% | 73.3%-5.2pp | 79.8%-11.7pp | 69.6%-1.5pp |
| Annual return | 16.04% | -6.29%+22.3pp | 314.76%-298.7pp | 7.63%+8.4pp |
| Employer contribution / active EE | $1,995 | $2,282-12.6% | $3,827-47.9% | $2,381-16.2% |
| Participant deferral / active EE | $3,836 | $3,469+10.6% | $4,672-17.9% | $3,470+10.5% |
| Admin fee / account holder | $416 | $5,664-92.7% | $8,548-95.1% | $4,887-91.5% |