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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 | $56,486 | $165,939-66.0% | $122,354-53.8% | $147,586-61.7% |
| Participation rate | 29.4% | 79.6%-50.2pp | 71.6%-42.2pp | 82.8%-53.4pp |
| Annual return | 19.27% | 34.56%-15.3pp | 30.28%-11.0pp | 578.59%-559.3pp |
| Employer contribution / active EE | $798 | $5,754-86.1% | $4,051-80.3% | $4,876-83.6% |
| Participant deferral / active EE | $885 | $4,005-77.9% | $3,287-73.1% | $5,439-83.7% |
| Admin fee / account holder | $2,056 | $7,425-72.3% | $5,479-62.5% | $10,886-81.1% |