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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 | $61,431 | $71,197-13.7% | $93,669-34.4% | $80,925-24.1% |
| Participation rate | 46.9% | 60.4%-13.5pp | 68.7%-21.9pp | 67.7%-20.8pp |
| Annual return | 12.62% | 11.27%+1.3pp | 133.59%-121.0pp | 35.65%-23.0pp |
| Employer contribution / active EE | $848 | $1,565-45.8% | $2,424-65.0% | $2,756-69.2% |
| Participant deferral / active EE | $1,921 | $4,036-52.4% | $4,416-56.5% | $4,299-55.3% |
| Admin fee / account holder | $15,424 | $6,959+121.6% | $8,291+86.0% | $6,940+122.2% |