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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 | $55,313 | $77,920-29.0% | $149,723-63.1% | $75,177-26.4% |
| Participation rate | 20.0% | 65.6%-45.6pp | 78.8%-58.8pp | 67.2%-47.2pp |
| Annual return | 30.30% | 31.72%-1.4pp | 134.50%-104.2pp | 160.75%-130.5pp |
| Employer contribution / active EE | $691 | $3,138-78.0% | $4,821-85.7% | $2,671-74.1% |
| Participant deferral / active EE | $1,330 | $3,411-61.0% | $5,682-76.6% | $4,126-67.8% |
| Admin fee / account holder | $623 | $5,951-89.5% | $13,215-95.3% | $5,651-89.0% |