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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 | $28,632 | $95,406-70.0% | $185,849-84.6% | $85,847-66.6% |
| Participation rate | 56.1% | 68.8%-12.7pp | 81.7%-25.6pp | 69.3%-13.2pp |
| Annual return | 12.95% | 23.59%-10.6pp | 122.10%-109.1pp | 318.61%-305.7pp |
| Employer contribution / active EE | $2,242 | $3,314-32.3% | $5,169-56.6% | $2,565-12.6% |
| Participant deferral / active EE | $2,814 | $3,424-17.8% | $5,569-49.5% | $3,952-28.8% |
| Admin fee / account holder | $5,778 | $7,214-19.9% | $16,244-64.4% | $6,261-7.7% |