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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 | $99,376 | $65,395+52.0% | $182,558-45.6% | $72,976+36.2% |
| Participation rate | 32.6% | 65.4%-32.8pp | 78.0%-45.4pp | 69.5%-36.9pp |
| Annual return | 22.46% | 27.68%-5.2pp | 148.59%-126.1pp | 81.02%-58.6pp |
| Employer contribution / active EE | $1,152 | $1,911-39.7% | $4,076-71.7% | $2,440-52.8% |
| Participant deferral / active EE | $2,640 | $3,563-25.9% | $5,526-52.2% | $3,608-26.8% |
| Admin fee / account holder | $1,327 | $4,245-68.7% | $8,594-84.6% | $5,124-74.1% |