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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 | $37,459 | $88,186-57.5% | $165,071-77.3% | $74,459-49.7% |
| Participation rate | 67.6% | 73.1%-5.5pp | 78.6%-11.0pp | 67.2%+0.4pp |
| Annual return | 12.69% | 17.13%-4.4pp | 70.17%-57.5pp | 1369.70%-1357.0pp |
| Employer contribution / active EE | $845 | $2,600-67.5% | $4,347-80.6% | $2,626-67.8% |
| Participant deferral / active EE | $2,705 | $4,505-40.0% | $6,035-55.2% | $4,350-37.8% |
| Admin fee / account holder | $4,625 | $2,234+107.0% | $12,695-63.6% | $1,945+137.8% |