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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 | $69,422 | $117,895-41.1% | $102,460-32.2% | $145,897-52.4% |
| Participation rate | 61.1% | 78.6%-17.5pp | 76.5%-15.4pp | 80.3%-19.2pp |
| Annual return | 10.94% | 31.92%-21.0pp | 29.47%-18.5pp | 552.29%-541.3pp |
| Employer contribution / active EE | $1,456 | $3,619-59.8% | $3,025-51.9% | $4,663-68.8% |
| Participant deferral / active EE | $3,540 | $5,736-38.3% | $5,056-30.0% | $6,689-47.1% |
| Admin fee / account holder | $7,488 | $13,353-43.9% | $9,460-20.8% | $13,390-44.1% |