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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 | $60,722 | $58,828+3.2% | $78,002-22.2% | $62,881-3.4% |
| Participation rate | 49.0% | 71.1%-22.1pp | 75.5%-26.5pp | 69.3%-20.3pp |
| Annual return | 5.96% | 17.16%-11.2pp | 425.99%-420.0pp | 20.14%-14.2pp |
| Employer contribution / active EE | $1,155 | $1,672-30.9% | $2,470-53.3% | $2,281-49.4% |
| Participant deferral / active EE | $1,966 | $2,686-26.8% | $3,497-43.8% | $3,203-38.6% |
| Admin fee / account holder | $1,605 | $4,393-63.5% | $5,481-70.7% | $4,296-62.6% |