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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 | $65,600 | $117,859-44.3% | $102,438-36.0% | $145,959-55.1% |
| Participation rate | 56.5% | 78.6%-22.1pp | 76.5%-20.0pp | 80.3%-23.8pp |
| Annual return | 13.76% | 31.72%-18.0pp | 29.37%-15.6pp | 561.95%-548.2pp |
| Employer contribution / active EE | $1,091 | $3,615-69.8% | $3,024-63.9% | $4,661-76.6% |
| Participant deferral / active EE | $2,603 | $5,732-54.6% | $5,054-48.5% | $6,689-61.1% |
| Admin fee / account holder | $5,248 | $13,318-60.6% | $9,448-44.4% | $13,398-60.8% |