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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 | $59,053 | $77,908-24.2% | $149,696-60.6% | $75,173-21.4% |
| Participation rate | 35.1% | 65.6%-30.4pp | 78.8%-43.6pp | 67.2%-32.1pp |
| Annual return | 16.93% | 31.73%-14.8pp | 134.46%-117.5pp | 160.72%-143.8pp |
| Employer contribution / active EE | $1,322 | $3,138-57.9% | $4,821-72.6% | $2,671-50.5% |
| Participant deferral / active EE | $4,881 | $3,411+43.1% | $5,682-14.1% | $4,126+18.3% |
| Admin fee / account holder | $6,221 | $5,950+4.6% | $13,212-52.9% | $5,651+10.1% |