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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 | $55,984 | $98,760-43.3% | $149,715-62.6% | $79,858-29.9% |
| Participation rate | 48.9% | 75.8%-26.9pp | 82.5%-33.6pp | 69.6%-20.7pp |
| Annual return | 16.63% | 27.43%-10.8pp | 276.66%-260.0pp | 31.72%-15.1pp |
| Employer contribution / active EE | $1,496 | $3,217-53.5% | $4,645-67.8% | $2,471-39.5% |
| Participant deferral / active EE | $3,152 | $5,681-44.5% | $6,842-53.9% | $3,740-15.7% |
| Admin fee / account holder | $9,696 | $6,053+60.2% | $9,310+4.2% | $5,306+82.7% |