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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 | $50,614 | $53,128-4.7% | $86,582-41.5% | $70,126-27.8% |
| Participation rate | 37.5% | 65.3%-27.8pp | 73.5%-36.0pp | 69.5%-32.0pp |
| Annual return | 17.40% | 27.66%-10.3pp | 965.08%-947.7pp | 73.15%-55.7pp |
| Employer contribution / active EE | $352 | $2,068-83.0% | $2,839-87.6% | $2,343-85.0% |
| Participant deferral / active EE | $1,475 | $2,695-45.3% | $3,609-59.1% | $3,332-55.7% |
| Admin fee / account holder | $793 | $3,584-77.9% | $4,904-83.8% | $4,645-82.9% |