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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 | $96,731-60.8% | $123,973-69.4% | $86,983-56.5% |
| Participation rate | 57.7% | 70.0%-12.3pp | 76.7%-19.0pp | 69.5%-11.8pp |
| Annual return | 17.89% | 17.33%+0.6pp | 388.13%-370.2pp | 25.83%-7.9pp |
| Employer contribution / active EE | $1,649 | $3,297-50.0% | $4,126-60.0% | $2,584-36.2% |
| Participant deferral / active EE | $2,789 | $4,152-32.8% | $5,247-46.8% | $4,194-33.5% |
| Admin fee / account holder | $1,119 | $8,722-87.2% | $11,799-90.5% | $7,856-85.8% |