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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 | $66,665 | $91,198-26.9% | $178,503-62.7% | $79,856-16.5% |
| Participation rate | 62.1% | 69.2%-7.1pp | 81.9%-19.9pp | 69.6%-7.6pp |
| Annual return | 27.47% | 24.20%+3.3pp | 151.12%-123.6pp | 31.71%-4.2pp |
| Employer contribution / active EE | $1,391 | $3,257-57.3% | $5,011-72.2% | $2,471-43.7% |
| Participant deferral / active EE | $3,960 | $3,237+22.4% | $5,202-23.9% | $3,741+5.9% |
| Admin fee / account holder | $654 | $6,748-90.3% | $13,987-95.3% | $5,306-87.7% |