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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 | $59,455 | $157,829-62.3% | $136,867-56.6% | $198,609-70.1% |
| Participation rate | 31.6% | 77.2%-45.6pp | 74.5%-43.0pp | 82.4%-50.8pp |
| Annual return | 19.94% | 51.25%-31.3pp | 42.97%-23.0pp | 202.70%-182.8pp |
| Employer contribution / active EE | $1,400 | $3,923-64.3% | $3,547-60.5% | $5,055-72.3% |
| Participant deferral / active EE | $3,647 | $5,463-33.2% | $4,924-25.9% | $6,977-47.7% |
| Admin fee / account holder | $665 | $11,107-94.0% | $10,340-93.6% | $19,030-96.5% |