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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 | $59,978 | $81,331-26.3% | $155,534-61.4% | $80,935-25.9% |
| Participation rate | 35.4% | 66.3%-30.9pp | 78.2%-42.9pp | 67.7%-32.3pp |
| Annual return | 18.35% | 33.37%-15.0pp | 64.92%-46.6pp | 35.66%-17.3pp |
| Employer contribution / active EE | $529 | $3,105-83.0% | $4,675-88.7% | $2,757-80.8% |
| Participant deferral / active EE | $1,881 | $3,454-45.5% | $5,630-66.6% | $4,299-56.2% |
| Admin fee / account holder | $2,613 | $7,999-67.3% | $15,900-83.6% | $6,924-62.3% |