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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 | $60,082 | $78,707-23.7% | $117,861-49.0% | $70,126-14.3% |
| Participation rate | 65.3% | 73.2%-7.9pp | 79.7%-14.4pp | 69.5%-4.2pp |
| Annual return | 16.53% | 23.30%-6.8pp | 335.11%-318.6pp | 73.15%-56.6pp |
| Employer contribution / active EE | $837 | $2,223-62.4% | $3,786-77.9% | $2,343-64.3% |
| Participant deferral / active EE | $2,986 | $3,297-9.4% | $4,482-33.4% | $3,332-10.4% |
| Admin fee / account holder | $6,415 | $5,066+26.6% | $8,021-20.0% | $4,645+38.1% |