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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 | $54,536 | $60,442-9.8% | $96,754-43.6% | $87,485-37.7% |
| Participation rate | 26.3% | 58.7%-32.4pp | 70.3%-44.0pp | 68.9%-42.6pp |
| Annual return | 15.08% | 21.97%-6.9pp | 82.04%-67.0pp | 26.06%-11.0pp |
| Employer contribution / active EE | $495 | $1,691-70.7% | $2,679-81.5% | $2,596-80.9% |
| Participant deferral / active EE | $1,775 | $3,280-45.9% | $4,758-62.7% | $4,274-58.5% |
| Admin fee / account holder | $920 | $5,069-81.8% | $8,905-89.7% | $7,775-88.2% |