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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 | $62,510 | $99,875-37.4% | $146,866-57.4% | $86,983-28.1% |
| Participation rate | 65.0% | 75.8%-10.8pp | 82.5%-17.5pp | 69.5%-4.5pp |
| Annual return | 18.90% | 28.10%-9.2pp | 102.85%-84.0pp | 25.83%-6.9pp |
| Employer contribution / active EE | $1,848 | $3,224-42.7% | $4,425-58.2% | $2,584-28.5% |
| Participant deferral / active EE | $4,348 | $6,322-31.2% | $7,759-44.0% | $4,194+3.7% |
| Admin fee / account holder | $1,291 | $7,838-83.5% | $13,620-90.5% | $7,856-83.6% |