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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 | $69,358 | $57,352+20.9% | $83,831-17.3% | $64,173+8.1% |
| Participation rate | 40.0% | 68.6%-28.6pp | 76.1%-36.1pp | 69.6%-29.6pp |
| Annual return | 11.78% | 11.38%+0.4pp | 850.99%-839.2pp | 7.63%+4.1pp |
| Employer contribution / active EE | $551 | $2,546-78.4% | $3,631-84.8% | $2,381-76.9% |
| Participant deferral / active EE | $2,203 | $2,993-26.4% | $4,082-46.0% | $3,470-36.5% |
| Admin fee / account holder | $939 | $4,046-76.8% | $5,479-82.9% | $4,887-80.8% |