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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 | $57,864 | $103,393-44.0% | $87,103-33.6% | $152,909-62.2% |
| Participation rate | 69.2% | 79.4%-10.1pp | 76.9%-7.6pp | 82.5%-13.2pp |
| Annual return | 19.56% | 28.10%-8.5pp | 28.19%-8.6pp | 345.46%-325.9pp |
| Employer contribution / active EE | $1,005 | $3,221-68.8% | $2,521-60.2% | $4,764-78.9% |
| Participant deferral / active EE | $3,101 | $4,778-35.1% | $4,049-23.4% | $5,851-47.0% |
| Admin fee / account holder | $2,118 | $12,195-82.6% | $7,491-71.7% | $11,601-81.7% |