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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 | $71,268 | $99,053-28.1% | $88,179-19.2% | $138,895-48.7% |
| Participation rate | 41.7% | 74.2%-32.6pp | 69.1%-27.5pp | 79.9%-38.3pp |
| Annual return | 21.42% | 78.17%-56.8pp | 64.97%-43.6pp | 145.39%-124.0pp |
| Employer contribution / active EE | $403 | $2,882-86.0% | $2,549-84.2% | $4,194-90.4% |
| Participant deferral / active EE | $1,154 | $5,225-77.9% | $4,614-75.0% | $6,396-82.0% |
| Admin fee / account holder | $546 | $8,748-93.8% | $7,673-92.9% | $12,562-95.7% |