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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 | $28,663 | $58,828-51.3% | $78,002-63.3% | $62,881-54.4% |
| Participation rate | 60.0% | 71.1%-11.1pp | 75.5%-15.5pp | 69.3%-9.3pp |
| Annual return | 38.44% | 17.16%+21.3pp | 425.99%-387.5pp | 20.14%+18.3pp |
| Employer contribution / active EE | $559 | $1,672-66.6% | $2,470-77.4% | $2,281-75.5% |
| Participant deferral / active EE | $1,491 | $2,686-44.5% | $3,497-57.4% | $3,203-53.4% |
| Admin fee / account holder | $5,024 | $4,393+14.4% | $5,481-8.3% | $4,296+17.0% |