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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 | $53,211 | $73,988-28.1% | $96,538-44.9% | $75,177-29.2% |
| Participation rate | 39.4% | 66.4%-27.0pp | 74.3%-35.0pp | 67.2%-27.8pp |
| Annual return | 14.42% | 26.73%-12.3pp | 35.74%-21.3pp | 160.75%-146.3pp |
| Employer contribution / active EE | $1,859 | $2,930-36.6% | $3,740-50.3% | $2,671-30.4% |
| Participant deferral / active EE | $3,173 | $3,660-13.3% | $4,880-35.0% | $4,126-23.1% |
| Admin fee / account holder | $15,296 | $5,220+193.1% | $6,737+127.0% | $5,651+170.7% |