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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 | $49,711 | $58,311-14.7% | $81,882-39.3% | $80,959-38.6% |
| Participation rate | 62.9% | 63.5%-0.6pp | 72.4%-9.5pp | 67.7%-4.8pp |
| Annual return | 25.85% | 41.85%-16.0pp | 779.47%-753.6pp | 35.67%-9.8pp |
| Employer contribution / active EE | $872 | $2,347-62.9% | $2,916-70.1% | $2,757-68.4% |
| Participant deferral / active EE | $2,622 | $3,287-20.2% | $4,323-39.4% | $4,300-39.0% |
| Admin fee / account holder | $478 | $4,752-89.9% | $7,360-93.5% | $6,925-93.1% |