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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 | $79,643 | $157,296-49.4% | $141,191-43.6% | $152,897-47.9% |
| Participation rate | 66.7% | 84.8%-18.2pp | 82.5%-15.8pp | 82.5%-15.8pp |
| Annual return | 21.72% | 64.34%-42.6pp | 71.41%-49.7pp | 345.43%-323.7pp |
| Employer contribution / active EE | $959 | $5,262-81.8% | $4,736-79.8% | $4,764-79.9% |
| Participant deferral / active EE | $2,713 | $7,111-61.8% | $6,710-59.6% | $5,851-53.6% |
| Admin fee / account holder | $773 | $12,125-93.6% | $10,264-92.5% | $11,599-93.3% |