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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 | $56,613 | $101,618-44.3% | $93,063-39.2% | $137,256-58.8% |
| Participation rate | 28.6% | 74.9%-46.4pp | 72.1%-43.5pp | 80.0%-51.4pp |
| Annual return | 13.38% | 223.95%-210.6pp | 34.15%-20.8pp | 220.34%-207.0pp |
| Employer contribution / active EE | $632 | $2,707-76.6% | $2,476-74.5% | $4,156-84.8% |
| Participant deferral / active EE | $1,290 | $4,279-69.8% | $3,958-67.4% | $6,407-79.9% |
| Admin fee / account holder | $3,195 | $6,198-48.5% | $6,033-47.1% | $12,270-74.0% |