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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 | $77,224 | $99,875-22.7% | $146,866-47.4% | $86,983-11.2% |
| Participation rate | 41.0% | 75.8%-34.8pp | 82.5%-41.5pp | 69.5%-28.5pp |
| Annual return | 14.84% | 28.10%-13.3pp | 102.85%-88.0pp | 25.83%-11.0pp |
| Employer contribution / active EE | $1,578 | $3,224-51.1% | $4,425-64.3% | $2,584-39.0% |
| Participant deferral / active EE | $2,286 | $6,322-63.8% | $7,759-70.5% | $4,194-45.5% |
| Admin fee / account holder | $11,237 | $7,838+43.4% | $13,620-17.5% | $7,856+43.0% |