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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 | $49,651 | $78,690-36.9% | $161,489-69.3% | $87,485-43.2% |
| Participation rate | 36.0% | 67.5%-31.5pp | 78.7%-42.7pp | 68.9%-32.9pp |
| Annual return | 15.57% | 32.74%-17.2pp | 89.72%-74.1pp | 26.06%-10.5pp |
| Employer contribution / active EE | $849 | $2,588-67.2% | $4,268-80.1% | $2,596-67.3% |
| Participant deferral / active EE | $2,373 | $3,311-28.3% | $5,630-57.8% | $4,274-44.5% |
| Admin fee / account holder | $5,606 | $6,724-16.6% | $16,006-65.0% | $7,775-27.9% |