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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 | $37,319 | $87,132-57.2% | $105,624-64.7% | $80,959-53.9% |
| Participation rate | 60.5% | 70.4%-10.0pp | 75.3%-14.8pp | 67.7%-7.2pp |
| Annual return | 12.01% | 17.03%-5.0pp | 116.20%-104.2pp | 35.67%-23.7pp |
| Employer contribution / active EE | $1,537 | $2,397-35.9% | $3,168-51.5% | $2,757-44.3% |
| Participant deferral / active EE | $1,863 | $3,985-53.3% | $5,013-62.8% | $4,300-56.7% |
| Admin fee / account holder | $2,117 | $8,449-74.9% | $10,961-80.7% | $6,925-69.4% |