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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 | $63,553 | $83,369-23.8% | $105,223-39.6% | $67,986-6.5% |
| Participation rate | 29.9% | 56.3%-26.3pp | 75.0%-45.1pp | 57.2%-27.3pp |
| Annual return | 17.99% | 24.64%-6.7pp | 180.65%-162.7pp | 31.67%-13.7pp |
| Employer contribution / active EE | $888 | $2,541-65.0% | $3,689-75.9% | $2,019-56.0% |
| Participant deferral / active EE | $2,219 | $3,295-32.7% | $5,072-56.2% | $3,358-33.9% |
| Admin fee / account holder | $2,322 | $4,073-43.0% | $8,859-73.8% | $3,203-27.5% |