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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 | $96,136-45.3% | $135,987-61.3% | $80,925-35.0% |
| Participation rate | 31.0% | 71.2%-40.2pp | 76.4%-45.5pp | 67.7%-36.7pp |
| Annual return | 14.03% | 28.70%-14.7pp | 580.01%-566.0pp | 35.65%-21.6pp |
| Employer contribution / active EE | $1,299 | $3,350-61.2% | $4,214-69.2% | $2,756-52.9% |
| Participant deferral / active EE | $2,571 | $5,706-54.9% | $7,027-63.4% | $4,299-40.2% |
| Admin fee / account holder | $1,025 | $8,236-87.6% | $6,716-84.7% | $6,940-85.2% |