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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 | $52,614 | $96,236-45.3% | $133,698-60.6% | $80,959-35.0% |
| Participation rate | 31.0% | 71.2%-40.2pp | 76.4%-45.4pp | 67.7%-36.7pp |
| Annual return | 14.03% | 28.74%-14.7pp | 580.90%-566.9pp | 35.67%-21.6pp |
| Employer contribution / active EE | $1,299 | $3,350-61.2% | $4,218-69.2% | $2,757-52.9% |
| Participant deferral / active EE | $2,571 | $5,709-55.0% | $7,016-63.4% | $4,300-40.2% |
| Admin fee / account holder | $1,025 | $8,250-87.6% | $6,703-84.7% | $6,925-85.2% |