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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 | $95,897 | $106,267-9.8% | $96,520-0.6% | $139,456-31.2% |
| Participation rate | 25.0% | 77.8%-52.8pp | 74.3%-49.3pp | 80.3%-55.3pp |
| Annual return | 14.66% | 38.45%-23.8pp | 35.72%-21.1pp | 373.45%-358.8pp |
| Employer contribution / active EE | $1,077 | $4,105-73.8% | $3,739-71.2% | $4,753-77.3% |
| Participant deferral / active EE | $3,854 | $5,454-29.3% | $4,879-21.0% | $6,711-42.6% |
| Admin fee / account holder | $1,418 | $7,882-82.0% | $6,733-78.9% | $11,407-87.6% |