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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 | $52,781 | $91,198-42.1% | $178,503-70.4% | $79,856-33.9% |
| Participation rate | 64.3% | 69.2%-4.9pp | 81.9%-17.6pp | 69.6%-5.4pp |
| Annual return | 17.50% | 24.20%-6.7pp | 151.12%-133.6pp | 31.71%-14.2pp |
| Employer contribution / active EE | $2,035 | $3,257-37.5% | $5,011-59.4% | $2,471-17.7% |
| Participant deferral / active EE | $3,908 | $3,237+20.7% | $5,202-24.9% | $3,741+4.5% |
| Admin fee / account holder | $755 | $6,748-88.8% | $13,987-94.6% | $5,306-85.8% |