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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 | $62,682 | $80,781-22.4% | $102,437-38.8% | $74,478-15.8% |
| Participation rate | 27.5% | 65.7%-38.2pp | 74.5%-47.0pp | 67.2%-39.7pp |
| Annual return | 11.97% | 27.58%-15.6pp | 24.95%-13.0pp | 1370.56%-1358.6pp |
| Employer contribution / active EE | $1,112 | $3,160-64.8% | $3,871-71.3% | $2,626-57.7% |
| Participant deferral / active EE | $2,136 | $3,862-44.7% | $5,060-57.8% | $4,350-50.9% |
| Admin fee / account holder | $5,521 | $2,372+132.8% | $8,388-34.2% | $1,946+183.8% |