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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 | $50,163 | $71,197-29.5% | $93,669-46.4% | $80,925-38.0% |
| Participation rate | 53.2% | 60.4%-7.2pp | 68.7%-15.6pp | 67.7%-14.5pp |
| Annual return | 14.44% | 11.27%+3.2pp | 133.59%-119.1pp | 35.65%-21.2pp |
| Employer contribution / active EE | $658 | $1,565-57.9% | $2,424-72.8% | $2,756-76.1% |
| Participant deferral / active EE | $3,194 | $4,036-20.8% | $4,416-27.7% | $4,299-25.7% |
| Admin fee / account holder | $6,115 | $6,959-12.1% | $8,291-26.2% | $6,940-11.9% |