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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 | $57,774 | $111,814-48.3% | $103,374-44.1% | $145,959-60.4% |
| Participation rate | 60.0% | 77.9%-17.9pp | 74.5%-14.5pp | 80.3%-20.3pp |
| Annual return | 20.91% | 24.77%-3.9pp | 24.89%-4.0pp | 561.95%-541.0pp |
| Employer contribution / active EE | $1,506 | $4,214-64.3% | $3,869-61.1% | $4,661-67.7% |
| Participant deferral / active EE | $1,715 | $5,618-69.5% | $5,058-66.1% | $6,689-74.4% |
| Admin fee / account holder | $751 | $9,754-92.3% | $8,394-91.0% | $13,398-94.4% |