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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 | $54,671 | $91,179-40.0% | $178,499-69.4% | $79,852-31.5% |
| Participation rate | 48.0% | 69.2%-21.2pp | 81.9%-33.9pp | 69.6%-21.6pp |
| Annual return | 11.18% | 24.19%-13.0pp | 151.10%-139.9pp | 31.72%-20.5pp |
| Employer contribution / active EE | $1,037 | $3,256-68.2% | $5,011-79.3% | $2,471-58.0% |
| Participant deferral / active EE | $4,318 | $3,236+33.5% | $5,202-17.0% | $3,740+15.5% |
| Admin fee / account holder | $2,816 | $6,749-58.3% | $13,986-79.9% | $5,306-46.9% |