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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 | $66,503 | $124,425-46.6% | $112,040-40.6% | $137,256-51.5% |
| Participation rate | 60.0% | 79.3%-19.3pp | 76.5%-16.5pp | 80.0%-20.0pp |
| Annual return | 17.13% | 24.72%-7.6pp | 24.52%-7.4pp | 220.34%-203.2pp |
| Employer contribution / active EE | $1,945 | $3,411-43.0% | $2,954-34.1% | $4,156-53.2% |
| Participant deferral / active EE | $4,003 | $5,718-30.0% | $5,098-21.5% | $6,407-37.5% |
| Admin fee / account holder | $995 | $15,207-93.5% | $12,098-91.8% | $12,270-91.9% |