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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 | $107,079-36.2% | $151,266-54.8% | $87,485-21.9% |
| Participation rate | 38.5% | 71.1%-32.6pp | 77.0%-38.5pp | 68.9%-30.5pp |
| Annual return | 15.96% | 22.17%-6.2pp | 180.60%-164.6pp | 26.06%-10.1pp |
| Employer contribution / active EE | $1,645 | $3,174-48.2% | $4,237-61.2% | $2,596-36.6% |
| Participant deferral / active EE | $3,468 | $5,789-40.1% | $7,337-52.7% | $4,274-18.8% |
| Admin fee / account holder | $1,599 | $8,059-80.2% | $13,159-87.8% | $7,775-79.4% |