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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 | $117,829-44.3% | $102,423-36.0% | $145,877-55.0% |
| Participation rate | 56.5% | 78.6%-22.1pp | 76.5%-20.0pp | 80.3%-23.8pp |
| Annual return | 13.76% | 31.83%-18.1pp | 29.42%-15.7pp | 551.28%-537.5pp |
| Employer contribution / active EE | $1,091 | $3,615-69.8% | $3,023-63.9% | $4,663-76.6% |
| Participant deferral / active EE | $2,603 | $5,732-54.6% | $5,054-48.5% | $6,691-61.1% |
| Admin fee / account holder | $5,248 | $13,335-60.6% | $9,455-44.5% | $13,402-60.8% |