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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 | $74,447 | $76,407-2.6% | $150,298-50.5% | $82,448-9.7% |
| Participation rate | 25.0% | 66.4%-41.4pp | 77.8%-52.8pp | 68.1%-43.1pp |
| Annual return | 15.90% | 39.99%-24.1pp | 62.79%-46.9pp | 41.64%-25.7pp |
| Employer contribution / active EE | $487 | $2,614-81.4% | $4,154-88.3% | $2,551-80.9% |
| Participant deferral / active EE | $2,198 | $3,214-31.6% | $5,453-59.7% | $4,139-46.9% |
| Admin fee / account holder | $1,339 | $6,352-78.9% | $14,116-90.5% | $7,234-81.5% |