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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 | $93,345-31.9% | $119,126-46.6% | $87,485-27.4% |
| Participation rate | 37.7% | 68.7%-31.0pp | 75.8%-38.1pp | 68.9%-31.2pp |
| Annual return | 15.13% | 19.08%-4.0pp | 282.11%-267.0pp | 26.06%-10.9pp |
| Employer contribution / active EE | $1,308 | $3,172-58.7% | $4,034-67.6% | $2,596-49.6% |
| Participant deferral / active EE | $2,845 | $4,099-30.6% | $5,318-46.5% | $4,274-33.4% |
| Admin fee / account holder | $3,630 | $8,039-54.8% | $10,693-66.1% | $7,775-53.3% |