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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 | $74,490 | $53,128+40.2% | $86,581-14.0% | $70,124+6.2% |
| Participation rate | 20.4% | 65.3%-44.9pp | 73.5%-53.2pp | 69.5%-49.2pp |
| Annual return | 15.60% | 27.66%-12.1pp | 965.06%-949.5pp | 73.14%-57.5pp |
| Employer contribution / active EE | $475 | $2,068-77.1% | $2,840-83.3% | $2,342-79.7% |
| Participant deferral / active EE | $860 | $2,695-68.1% | $3,609-76.2% | $3,332-74.2% |
| Admin fee / account holder | $1,689 | $3,584-52.9% | $4,904-65.6% | $4,645-63.6% |