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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 | $63,029 | $77,164-18.3% | $178,014-64.6% | $80,874-22.1% |
| Participation rate | 53.6% | 65.7%-12.1pp | 77.1%-23.5pp | 67.6%-14.1pp |
| Annual return | 19.23% | 18.09%+1.1pp | 294.80%-275.6pp | 35.62%-16.4pp |
| Employer contribution / active EE | $2,027 | $2,288-11.4% | $3,950-48.7% | $2,756-26.5% |
| Participant deferral / active EE | $5,546 | $4,408+25.8% | $6,276-11.6% | $4,297+29.1% |
| Admin fee / account holder | $1,639 | $7,164-77.1% | $10,362-84.2% | $6,935-76.4% |