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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 | $28,556 | $91,179-68.7% | $178,499-84.0% | $79,852-64.2% |
| Participation rate | 48.9% | 69.2%-20.3pp | 81.9%-33.0pp | 69.6%-20.7pp |
| Annual return | 17.11% | 24.19%-7.1pp | 151.10%-134.0pp | 31.72%-14.6pp |
| Employer contribution / active EE | $2,343 | $3,256-28.0% | $5,011-53.2% | $2,471-5.2% |
| Participant deferral / active EE | $4,139 | $3,236+27.9% | $5,202-20.4% | $3,740+10.7% |
| Admin fee / account holder | $1,567 | $6,749-76.8% | $13,986-88.8% | $5,306-70.5% |