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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 | $79,882 | $77,908+2.5% | $149,696-46.6% | $75,173+6.3% |
| Participation rate | 35.5% | 65.6%-30.1pp | 78.8%-43.3pp | 67.2%-31.7pp |
| Annual return | 19.10% | 31.73%-12.6pp | 134.46%-115.4pp | 160.72%-141.6pp |
| Employer contribution / active EE | $454 | $3,138-85.5% | $4,821-90.6% | $2,671-83.0% |
| Participant deferral / active EE | $1,705 | $3,411-50.0% | $5,682-70.0% | $4,126-58.7% |
| Admin fee / account holder | $4,693 | $5,950-21.1% | $13,212-64.5% | $5,651-17.0% |