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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 | $74,398 | $88,672-16.1% | $105,223-29.3% | $82,448-9.8% |
| Participation rate | 31.0% | 67.9%-36.9pp | 75.0%-44.0pp | 68.1%-37.0pp |
| Annual return | 13.71% | 30.86%-17.1pp | 180.65%-166.9pp | 41.64%-27.9pp |
| Employer contribution / active EE | $1,348 | $3,048-55.8% | $3,689-63.4% | $2,551-47.1% |
| Participant deferral / active EE | $2,134 | $4,036-47.1% | $5,072-57.9% | $4,139-48.4% |
| Admin fee / account holder | $2,881 | $7,146-59.7% | $8,859-67.5% | $7,234-60.2% |