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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 | $49,991 | $78,690-36.5% | $161,489-69.0% | $87,485-42.9% |
| Participation rate | 60.0% | 67.5%-7.5pp | 78.7%-18.7pp | 68.9%-8.9pp |
| Annual return | 15.28% | 32.74%-17.5pp | 89.72%-74.4pp | 26.06%-10.8pp |
| Employer contribution / active EE | $2,188 | $2,588-15.5% | $4,268-48.7% | $2,596-15.7% |
| Participant deferral / active EE | $5,839 | $3,311+76.3% | $5,630+3.7% | $4,274+36.6% |
| Admin fee / account holder | $1,508 | $6,724-77.6% | $16,006-90.6% | $7,775-80.6% |