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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 | $27,972 | $89,370-68.7% | $141,197-80.2% | $72,976-61.7% |
| Participation rate | 51.9% | 75.1%-23.2pp | 82.5%-30.6pp | 69.5%-17.6pp |
| Annual return | 30.72% | 111.88%-81.2pp | 71.41%-40.7pp | 81.02%-50.3pp |
| Employer contribution / active EE | $1,365 | $3,115-56.2% | $4,736-71.2% | $2,440-44.0% |
| Participant deferral / active EE | $6,081 | $5,419+12.2% | $6,710-9.4% | $3,608+68.6% |
| Admin fee / account holder | $2,289 | $5,957-61.6% | $10,265-77.7% | $5,124-55.3% |