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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 | $63,556 | $88,672-28.3% | $105,223-39.6% | $82,448-22.9% |
| Participation rate | 37.7% | 67.9%-30.2pp | 75.0%-37.3pp | 68.1%-30.4pp |
| Annual return | 15.13% | 30.86%-15.7pp | 180.65%-165.5pp | 41.64%-26.5pp |
| Employer contribution / active EE | $1,308 | $3,048-57.1% | $3,689-64.5% | $2,551-48.7% |
| Participant deferral / active EE | $2,845 | $4,036-29.5% | $5,072-43.9% | $4,139-31.3% |
| Admin fee / account holder | $3,630 | $7,146-49.2% | $8,859-59.0% | $7,234-49.8% |