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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 | $95,136 | $78,423+21.3% | $95,964-0.9% | $79,856+19.1% |
| Participation rate | 50.0% | 73.5%-23.5pp | 77.1%-27.1pp | 69.6%-19.6pp |
| Annual return | 12.72% | 19.37%-6.6pp | 91.64%-78.9pp | 31.71%-19.0pp |
| Employer contribution / active EE | $1,023 | $1,945-47.4% | $2,541-59.7% | $2,471-58.6% |
| Participant deferral / active EE | $1,564 | $3,440-54.5% | $4,167-62.5% | $3,741-58.2% |
| Admin fee / account holder | $618 | $5,622-89.0% | $6,797-90.9% | $5,306-88.4% |