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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 | $58,214 | $149,679-61.1% | $117,039-50.3% | $147,586-60.6% |
| Participation rate | 53.8% | 83.5%-29.6pp | 77.2%-23.3pp | 82.8%-29.0pp |
| Annual return | 20.61% | 19.31%+1.3pp | 18.95%+1.7pp | 578.59%-558.0pp |
| Employer contribution / active EE | $1,332 | $4,937-73.0% | $3,785-64.8% | $4,876-72.7% |
| Participant deferral / active EE | $3,345 | $4,912-31.9% | $3,929-14.9% | $5,439-38.5% |
| Admin fee / account holder | $13,022 | $7,856+65.8% | $5,974+118.0% | $10,886+19.6% |