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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 | $105,284-39.6% | $150,734-57.8% | $94,015-32.4% |
| Participation rate | 37.7% | 71.7%-34.0pp | 78.4%-40.7pp | 70.8%-33.1pp |
| Annual return | 15.13% | 15.67%-0.5pp | 600.81%-585.7pp | 17.84%-2.7pp |
| Employer contribution / active EE | $1,308 | $3,599-63.6% | $4,918-73.4% | $2,790-53.1% |
| Participant deferral / active EE | $2,845 | $4,274-33.4% | $5,610-49.3% | $4,249-33.1% |
| Admin fee / account holder | $3,630 | $9,839-63.1% | $14,905-75.6% | $8,951-59.4% |