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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 | $57,109 | $91,559-37.6% | $133,978-57.4% | $79,856-28.5% |
| Participation rate | 31.6% | 73.3%-41.8pp | 79.8%-48.3pp | 69.6%-38.1pp |
| Annual return | 10.42% | 61.85%-51.4pp | 45.10%-34.7pp | 31.71%-21.3pp |
| Employer contribution / active EE | $802 | $2,384-66.4% | $3,919-79.5% | $2,471-67.6% |
| Participant deferral / active EE | $2,012 | $3,734-46.1% | $5,047-60.1% | $3,741-46.2% |
| Admin fee / account holder | $16,124 | $6,321+155.1% | $8,930+80.6% | $5,306+203.9% |