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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 | $63,737 | $51,638+23.4% | $68,368-6.8% | $82,448-22.7% |
| Participation rate | 39.2% | 63.6%-24.4pp | 73.8%-34.5pp | 68.1%-28.9pp |
| Annual return | 17.12% | 37.53%-20.4pp | 292.57%-275.5pp | 41.64%-24.5pp |
| Employer contribution / active EE | $909 | $2,047-55.6% | $2,649-65.7% | $2,551-64.3% |
| Participant deferral / active EE | $2,903 | $2,914-0.4% | $4,123-29.6% | $4,139-29.9% |
| Admin fee / account holder | $1,376 | $4,643-70.4% | $5,150-73.3% | $7,234-81.0% |