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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 | $34,546 | $49,976-30.9% | $66,674-48.2% | $82,637-58.2% |
| Participation rate | 61.5% | 63.1%-1.6pp | 73.7%-12.1pp | 68.1%-6.5pp |
| Annual return | 18.43% | 39.09%-20.7pp | 321.24%-302.8pp | 53.51%-35.1pp |
| Employer contribution / active EE | $1,649 | $1,988-17.1% | $2,620-37.1% | $2,552-35.4% |
| Participant deferral / active EE | $3,449 | $2,847+21.2% | $4,084-15.5% | $4,126-16.4% |
| Admin fee / account holder | $668 | $4,594-85.5% | $5,098-86.9% | $7,339-90.9% |