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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 | $65,075 | $99,994-34.9% | $146,643-55.6% | $85,847-24.2% |
| Participation rate | 32.7% | 73.1%-40.4pp | 80.1%-47.4pp | 69.3%-36.6pp |
| Annual return | 12.50% | 18.93%-6.4pp | 22.75%-10.3pp | 318.61%-306.1pp |
| Employer contribution / active EE | $1,070 | $2,559-58.2% | $4,137-74.1% | $2,565-58.3% |
| Participant deferral / active EE | $2,016 | $4,006-49.7% | $5,506-63.4% | $3,952-49.0% |
| Admin fee / account holder | $8,662 | $7,703+12.5% | $10,280-15.7% | $6,261+38.4% |