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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 | $74,211 | $95,383-22.2% | $185,837-60.1% | $85,856-13.6% |
| Participation rate | 49.2% | 68.8%-19.5pp | 81.7%-32.5pp | 69.3%-20.1pp |
| Annual return | 13.58% | 23.59%-10.0pp | 122.08%-108.5pp | 318.58%-305.0pp |
| Employer contribution / active EE | $1,318 | $3,313-60.2% | $5,168-74.5% | $2,565-48.6% |
| Participant deferral / active EE | $1,355 | $3,423-60.4% | $5,568-75.7% | $3,952-65.7% |
| Admin fee / account holder | $598 | $7,213-91.7% | $16,241-96.3% | $6,261-90.4% |