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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 | $49,021 | $70,684-30.6% | $169,390-71.1% | $75,173-34.8% |
| Participation rate | 66.7% | 64.8%+1.9pp | 77.2%-10.5pp | 67.2%-0.5pp |
| Annual return | 17.69% | 36.38%-18.7pp | 406.07%-388.4pp | 160.72%-143.0pp |
| Employer contribution / active EE | $1,201 | $2,211-45.7% | $4,013-70.1% | $2,671-55.0% |
| Participant deferral / active EE | $3,277 | $4,310-24.0% | $6,222-47.3% | $4,126-20.6% |
| Admin fee / account holder | $863 | $5,404-84.0% | $9,015-90.4% | $5,651-84.7% |