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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 | $60,543 | $48,053+26.0% | $84,637-28.5% | $72,976-17.0% |
| Participation rate | 34.6% | 57.6%-23.0pp | 68.2%-33.6pp | 69.5%-34.9pp |
| Annual return | 21.81% | 37.39%-15.6pp | 258.82%-237.0pp | 81.02%-59.2pp |
| Employer contribution / active EE | $791 | $1,602-50.6% | $2,653-70.2% | $2,440-67.6% |
| Participant deferral / active EE | $3,410 | $2,681+27.2% | $3,900-12.6% | $3,608-5.5% |
| Admin fee / account holder | $421 | $3,395-87.6% | $4,914-91.4% | $5,124-91.8% |