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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 | $54,641 | $93,345-41.5% | $119,126-54.1% | $87,485-37.5% |
| Participation rate | 58.8% | 68.7%-9.9pp | 75.8%-16.9pp | 68.9%-10.1pp |
| Annual return | 20.14% | 19.08%+1.1pp | 282.11%-262.0pp | 26.06%-5.9pp |
| Employer contribution / active EE | $1,541 | $3,172-51.4% | $4,034-61.8% | $2,596-40.6% |
| Participant deferral / active EE | $3,258 | $4,099-20.5% | $5,318-38.7% | $4,274-23.8% |
| Admin fee / account holder | $3,848 | $8,039-52.1% | $10,693-64.0% | $7,775-50.5% |