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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 | $88,863 | $98,776-10.0% | $149,745-40.7% | $79,856+11.3% |
| Participation rate | 54.5% | 75.8%-21.2pp | 82.5%-27.9pp | 69.6%-15.1pp |
| Annual return | 15.73% | 27.38%-11.6pp | 276.72%-261.0pp | 31.71%-16.0pp |
| Employer contribution / active EE | $1,546 | $3,217-51.9% | $4,646-66.7% | $2,471-37.4% |
| Participant deferral / active EE | $6,843 | $5,681+20.4% | $6,8430% | $3,741+82.9% |
| Admin fee / account holder | $2,309 | $6,053-61.9% | $9,312-75.2% | $5,306-56.5% |