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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 | $57,158 | $83,045-31.2% | $130,045-56.0% | $71,511-20.1% |
| Participation rate | 53.9% | 74.1%-20.2pp | 78.5%-24.6pp | 67.9%-14.0pp |
| Annual return | 19.58% | 20.61%-1.0pp | -137.30%+156.9pp | 28.86%-9.3pp |
| Employer contribution / active EE | $1,812 | $2,623-30.9% | $4,321-58.1% | $2,589-30.0% |
| Participant deferral / active EE | $3,671 | $4,436-17.2% | $5,820-36.9% | $4,291-14.4% |
| Admin fee / account holder | $4,321 | $1,727+150.2% | $10,600-59.2% | $1,588+172.0% |