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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 | $58,530 | $101,795-42.5% | $165,100-64.5% | $80,959-27.7% |
| Participation rate | 30.0% | 71.8%-41.8pp | 78.6%-48.6pp | 67.7%-37.7pp |
| Annual return | 18.76% | 16.73%+2.0pp | 70.21%-51.5pp | 35.67%-16.9pp |
| Employer contribution / active EE | $1,533 | $2,954-48.1% | $4,348-64.7% | $2,757-44.4% |
| Participant deferral / active EE | $3,148 | $4,476-29.7% | $6,035-47.8% | $4,300-26.8% |
| Admin fee / account holder | $1,964 | $8,221-76.1% | $12,696-84.5% | $6,925-71.6% |