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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 | $68,839 | $78,690-12.5% | $161,489-57.4% | $87,485-21.3% |
| Participation rate | 59.6% | 67.5%-7.9pp | 78.7%-19.1pp | 68.9%-9.4pp |
| Annual return | 17.12% | 32.74%-15.6pp | 89.72%-72.6pp | 26.06%-8.9pp |
| Employer contribution / active EE | $1,477 | $2,588-42.9% | $4,268-65.4% | $2,596-43.1% |
| Participant deferral / active EE | $3,636 | $3,311+9.8% | $5,630-35.4% | $4,274-14.9% |
| Admin fee / account holder | $2,235 | $6,724-66.8% | $16,006-86.0% | $7,775-71.2% |