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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 | $59,729 | $60,442-1.2% | $96,754-38.3% | $87,485-31.7% |
| Participation rate | 19.7% | 58.7%-39.0pp | 70.3%-50.6pp | 68.9%-49.2pp |
| Annual return | 13.38% | 21.97%-8.6pp | 82.04%-68.7pp | 26.06%-12.7pp |
| Employer contribution / active EE | $643 | $1,691-62.0% | $2,679-76.0% | $2,596-75.2% |
| Participant deferral / active EE | $1,403 | $3,280-57.2% | $4,758-70.5% | $4,274-67.2% |
| Admin fee / account holder | $4,032 | $5,069-20.5% | $8,905-54.7% | $7,775-48.1% |