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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 | $68,991 | $88,672-22.2% | $105,223-34.4% | $82,448-16.3% |
| Participation rate | 43.8% | 67.9%-24.2pp | 75.0%-31.3pp | 68.1%-24.3pp |
| Annual return | 19.06% | 30.86%-11.8pp | 180.65%-161.6pp | 41.64%-22.6pp |
| Employer contribution / active EE | $1,419 | $3,048-53.4% | $3,689-61.5% | $2,551-44.4% |
| Participant deferral / active EE | $3,426 | $4,036-15.1% | $5,072-32.5% | $4,139-17.2% |
| Admin fee / account holder | $5,228 | $7,146-26.8% | $8,859-41.0% | $7,234-27.7% |