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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 | $37,875 | $93,345-59.4% | $119,126-68.2% | $87,485-56.7% |
| Participation rate | 57.7% | 68.7%-11.0pp | 75.8%-18.1pp | 68.9%-11.2pp |
| Annual return | 17.89% | 19.08%-1.2pp | 282.11%-264.2pp | 26.06%-8.2pp |
| Employer contribution / active EE | $1,649 | $3,172-48.0% | $4,034-59.1% | $2,596-36.5% |
| Participant deferral / active EE | $2,789 | $4,099-31.9% | $5,318-47.5% | $4,274-34.7% |
| Admin fee / account holder | $1,119 | $8,039-86.1% | $10,693-89.5% | $7,775-85.6% |