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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 | $59,055 | $68,878-14.3% | $120,574-51.0% | $80,935-27.0% |
| Participation rate | 37.7% | 61.7%-24.0pp | 71.9%-34.2pp | 67.7%-30.0pp |
| Annual return | 13.92% | 23.67%-9.7pp | 107.42%-93.5pp | 35.66%-21.7pp |
| Employer contribution / active EE | $612 | $2,065-70.3% | $3,471-82.4% | $2,757-77.8% |
| Participant deferral / active EE | $1,654 | $3,189-48.1% | $4,996-66.9% | $4,299-61.5% |
| Admin fee / account holder | $1,772 | $5,782-69.3% | $9,445-81.2% | $6,924-74.4% |