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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 | $53,304 | $47,105+13.2% | $68,368-22.0% | $67,986-21.6% |
| Participation rate | 33.0% | 51.8%-18.8pp | 73.8%-40.7pp | 57.2%-24.2pp |
| Annual return | 17.96% | 48.37%-30.4pp | 292.57%-274.6pp | 31.67%-13.7pp |
| Employer contribution / active EE | $650 | $1,859-65.1% | $2,649-75.5% | $2,019-67.8% |
| Participant deferral / active EE | $877 | $2,374-63.1% | $4,123-78.7% | $3,358-73.9% |
| Admin fee / account holder | $1,744 | $2,435-28.4% | $5,150-66.1% | $3,203-45.6% |