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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 | $92,461 | $149,778-38.3% | $118,946-22.3% | $158,966-41.8% |
| Participation rate | 53.8% | 82.1%-28.2pp | 75.4%-21.5pp | 82.0%-28.1pp |
| Annual return | 18.34% | 19.95%-1.6pp | 35.89%-17.5pp | 302.95%-284.6pp |
| Employer contribution / active EE | $1,307 | $4,117-68.2% | $3,263-59.9% | $4,762-72.5% |
| Participant deferral / active EE | $5,107 | $5,225-2.3% | $4,266+19.7% | $5,983-14.6% |
| Admin fee / account holder | $376 | $8,604-95.6% | $6,581-94.3% | $11,250-96.7% |