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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 | $62,053 | $79,209-21.7% | $102,434-39.4% | $74,459-16.7% |
| Participation rate | 52.3% | 74.8%-22.5pp | 76.5%-24.3pp | 67.2%-15.0pp |
| Annual return | 16.81% | 54.98%-38.2pp | 29.46%-12.6pp | 1369.70%-1352.9pp |
| Employer contribution / active EE | $1,590 | $2,362-32.7% | $3,023-47.4% | $2,626-39.5% |
| Participant deferral / active EE | $3,847 | $4,417-12.9% | $5,055-23.9% | $4,350-11.6% |
| Admin fee / account holder | $3,283 | $2,002+64.0% | $9,462-65.3% | $1,945+68.8% |