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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 | $96,731-32.1% | $123,973-47.0% | $86,983-24.5% |
| Participation rate | 54.5% | 70.0%-15.5pp | 76.7%-22.1pp | 69.5%-15.0pp |
| Annual return | 22.04% | 17.33%+4.7pp | 388.13%-366.1pp | 25.83%-3.8pp |
| Employer contribution / active EE | $2,059 | $3,297-37.6% | $4,126-50.1% | $2,584-20.3% |
| Participant deferral / active EE | $3,713 | $4,152-10.6% | $5,247-29.2% | $4,194-11.5% |
| Admin fee / account holder | $2,699 | $8,722-69.1% | $11,799-77.1% | $7,856-65.6% |