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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 | $53,276 | $106,267-49.9% | $96,520-44.8% | $139,456-61.8% |
| Participation rate | 52.4% | 77.8%-25.5pp | 74.3%-22.0pp | 80.3%-27.9pp |
| Annual return | 19.84% | 38.45%-18.6pp | 35.72%-15.9pp | 373.45%-353.6pp |
| Employer contribution / active EE | $984 | $4,105-76.0% | $3,739-73.7% | $4,753-79.3% |
| Participant deferral / active EE | $2,792 | $5,454-48.8% | $4,879-42.8% | $6,711-58.4% |
| Admin fee / account holder | $893 | $7,882-88.7% | $6,733-86.7% | $11,407-92.2% |