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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 | $68,299 | $98,652-30.8% | $142,942-52.2% | $82,448-17.2% |
| Participation rate | 38.5% | 72.8%-34.3pp | 76.8%-38.4pp | 68.1%-29.6pp |
| Annual return | 15.96% | 22.65%-6.7pp | 113.70%-97.7pp | 41.64%-25.7pp |
| Employer contribution / active EE | $1,645 | $3,211-48.8% | $4,139-60.2% | $2,551-35.5% |
| Participant deferral / active EE | $3,468 | $5,580-37.8% | $7,128-51.3% | $4,139-16.2% |
| Admin fee / account holder | $1,599 | $8,078-80.2% | $12,475-87.2% | $7,234-77.9% |