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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 | $51,624 | $73,988-30.2% | $96,538-46.5% | $75,177-31.3% |
| Participation rate | 31.9% | 66.4%-34.5pp | 74.3%-42.4pp | 67.2%-35.3pp |
| Annual return | 16.14% | 26.73%-10.6pp | 35.74%-19.6pp | 160.75%-144.6pp |
| Employer contribution / active EE | $1,274 | $2,930-56.5% | $3,740-65.9% | $2,671-52.3% |
| Participant deferral / active EE | $2,642 | $3,660-27.8% | $4,880-45.9% | $4,126-36.0% |
| Admin fee / account holder | $13,986 | $5,220+167.9% | $6,737+107.6% | $5,651+147.5% |