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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 | $56,401 | $108,882-48.2% | $96,754-41.7% | $154,746-63.6% |
| Participation rate | 57.1% | 75.1%-17.9pp | 70.3%-13.1pp | 80.7%-23.6pp |
| Annual return | 18.07% | 98.39%-80.3pp | 82.04%-64.0pp | 172.34%-154.3pp |
| Employer contribution / active EE | $1,373 | $3,018-54.5% | $2,679-48.8% | $4,379-68.7% |
| Participant deferral / active EE | $4,407 | $5,323-17.2% | $4,758-7.4% | $6,730-34.5% |
| Admin fee / account holder | $1,575 | $10,200-84.6% | $8,905-82.3% | $14,365-89.0% |