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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 | $69,682 | $98,240-29.1% | $82,312-15.3% | $147,586-52.8% |
| Participation rate | 65.2% | 79.7%-14.5pp | 76.9%-11.7pp | 82.8%-17.6pp |
| Annual return | 27.44% | 30.85%-3.4pp | 25.88%+1.6pp | 578.59%-551.2pp |
| Employer contribution / active EE | $690 | $3,192-78.4% | $2,428-71.6% | $4,876-85.9% |
| Participant deferral / active EE | $2,132 | $4,383-51.4% | $3,706-42.5% | $5,439-60.8% |
| Admin fee / account holder | $309 | $8,563-96.4% | $5,608-94.5% | $10,886-97.2% |