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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 | $83,335 | $53,128+56.9% | $86,582-3.8% | $70,126+18.8% |
| Participation rate | 42.7% | 65.3%-22.6pp | 73.5%-30.9pp | 69.5%-26.9pp |
| Annual return | 16.60% | 27.66%-11.1pp | 965.08%-948.5pp | 73.15%-56.6pp |
| Employer contribution / active EE | $759 | $2,068-63.3% | $2,839-73.3% | $2,343-67.6% |
| Participant deferral / active EE | $1,966 | $2,695-27.0% | $3,609-45.5% | $3,332-41.0% |
| Admin fee / account holder | $365 | $3,584-89.8% | $4,904-92.6% | $4,645-92.2% |