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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 | $93,345-20.3% | $119,126-37.5% | $87,485-15.0% |
| Participation rate | 31.0% | 68.7%-37.7pp | 75.8%-44.7pp | 68.9%-37.9pp |
| Annual return | 13.71% | 19.08%-5.4pp | 282.11%-268.4pp | 26.06%-12.4pp |
| Employer contribution / active EE | $1,348 | $3,172-57.5% | $4,034-66.6% | $2,596-48.1% |
| Participant deferral / active EE | $2,134 | $4,099-47.9% | $5,318-59.9% | $4,274-50.1% |
| Admin fee / account holder | $2,881 | $8,039-64.2% | $10,693-73.1% | $7,775-62.9% |