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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 | $37,368 | $93,345-60.0% | $119,126-68.6% | $87,485-57.3% |
| Participation rate | 53.2% | 68.7%-15.5pp | 75.8%-22.6pp | 68.9%-15.7pp |
| Annual return | 21.33% | 19.08%+2.3pp | 282.11%-260.8pp | 26.06%-4.7pp |
| Employer contribution / active EE | $1,354 | $3,172-57.3% | $4,034-66.4% | $2,596-47.9% |
| Participant deferral / active EE | $3,320 | $4,099-19.0% | $5,318-37.6% | $4,274-22.3% |
| Admin fee / account holder | $4,823 | $8,039-40.0% | $10,693-54.9% | $7,775-38.0% |