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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 | $77,275 | $93,345-17.2% | $119,126-35.1% | $87,485-11.7% |
| Participation rate | 49.3% | 68.7%-19.5pp | 75.8%-26.5pp | 68.9%-19.7pp |
| Annual return | 14.35% | 19.08%-4.7pp | 282.11%-267.8pp | 26.06%-11.7pp |
| Employer contribution / active EE | $1,684 | $3,172-46.9% | $4,034-58.3% | $2,596-35.1% |
| Participant deferral / active EE | $3,431 | $4,099-16.3% | $5,318-35.5% | $4,274-19.7% |
| Admin fee / account holder | $3,437 | $8,039-57.2% | $10,693-67.9% | $7,775-55.8% |