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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 | $65,669 | $93,345-29.6% | $119,126-44.9% | $87,485-24.9% |
| Participation rate | 54.5% | 68.7%-14.2pp | 75.8%-21.2pp | 68.9%-14.4pp |
| Annual return | 22.04% | 19.08%+3.0pp | 282.11%-260.1pp | 26.06%-4.0pp |
| Employer contribution / active EE | $2,059 | $3,172-35.1% | $4,034-49.0% | $2,596-20.7% |
| Participant deferral / active EE | $3,713 | $4,099-9.4% | $5,318-30.2% | $4,274-13.1% |
| Admin fee / account holder | $2,699 | $8,039-66.4% | $10,693-74.8% | $7,775-65.3% |