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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 | $61,610 | $87,132-29.3% | $105,624-41.7% | $80,959-23.9% |
| Participation rate | 49.3% | 70.4%-21.2pp | 75.3%-26.0pp | 67.7%-18.4pp |
| Annual return | 10.27% | 17.03%-6.8pp | 116.20%-105.9pp | 35.67%-25.4pp |
| Employer contribution / active EE | $1,061 | $2,397-55.7% | $3,168-66.5% | $2,757-61.5% |
| Participant deferral / active EE | $2,315 | $3,985-41.9% | $5,013-53.8% | $4,300-46.2% |
| Admin fee / account holder | $11,135 | $8,449+31.8% | $10,961+1.6% | $6,925+60.8% |