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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 | $35,789 | $53,128-32.6% | $86,581-58.7% | $70,124-49.0% |
| Participation rate | 50.0% | 65.3%-15.3pp | 73.5%-23.5pp | 69.5%-19.5pp |
| Annual return | 18.04% | 27.66%-9.6pp | 965.06%-947.0pp | 73.14%-55.1pp |
| Employer contribution / active EE | $1,090 | $2,068-47.3% | $2,840-61.6% | $2,342-53.5% |
| Participant deferral / active EE | $1,923 | $2,695-28.6% | $3,609-46.7% | $3,332-42.3% |
| Admin fee / account holder | $3,943 | $3,584+10.0% | $4,904-19.6% | $4,645-15.1% |