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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 | $50,513 | $92,219-45.2% | $76,767-34.2% | $135,380-62.7% |
| Participation rate | 50.0% | 79.8%-29.8pp | 77.0%-27.0pp | 82.6%-32.6pp |
| Annual return | 18.13% | 5.46%+12.7pp | 2.43%+15.7pp | 519.81%-501.7pp |
| Employer contribution / active EE | $1,272 | $3,216-60.5% | $2,485-48.8% | $4,779-73.4% |
| Participant deferral / active EE | $2,027 | $4,508-55.0% | $3,852-47.4% | $5,609-63.9% |
| Admin fee / account holder | $403 | $10,749-96.2% | $6,675-94.0% | $10,828-96.3% |