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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 | $63,460 | $110,410-42.5% | $102,437-38.0% | $145,897-56.5% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.5%-14.5pp | 80.3%-20.3pp |
| Annual return | 17.17% | 24.85%-7.7pp | 24.95%-7.8pp | 552.29%-535.1pp |
| Employer contribution / active EE | $1,296 | $4,217-69.3% | $3,871-66.5% | $4,663-72.2% |
| Participant deferral / active EE | $2,866 | $5,622-49.0% | $5,060-43.4% | $6,689-57.2% |
| Admin fee / account holder | $3,174 | $9,745-67.4% | $8,388-62.2% | $13,390-76.3% |