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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 | $69,550 | $53,128+30.9% | $86,582-19.7% | $70,126-0.8% |
| Participation rate | 32.4% | 65.3%-32.9pp | 73.5%-41.1pp | 69.5%-37.1pp |
| Annual return | 19.30% | 27.66%-8.4pp | 965.08%-945.8pp | 73.15%-53.8pp |
| Employer contribution / active EE | $670 | $2,068-67.6% | $2,839-76.4% | $2,343-71.4% |
| Participant deferral / active EE | $2,180 | $2,695-19.1% | $3,609-39.6% | $3,332-34.6% |
| Admin fee / account holder | $1,450 | $3,584-59.5% | $4,904-70.4% | $4,645-68.8% |