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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 | $96,911 | $165,939-41.6% | $122,354-20.8% | $147,586-34.3% |
| Participation rate | 16.7% | 79.6%-62.9pp | 71.6%-55.0pp | 82.8%-66.2pp |
| Annual return | 13.38% | 34.56%-21.2pp | 30.28%-16.9pp | 578.59%-565.2pp |
| Employer contribution / active EE | $788 | $5,754-86.3% | $4,051-80.5% | $4,876-83.8% |
| Participant deferral / active EE | $1,700 | $4,005-57.6% | $3,287-48.3% | $5,439-68.7% |
| Admin fee / account holder | $4,556 | $7,425-38.6% | $5,479-16.9% | $10,886-58.2% |