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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 | $82,788 | $106,280-22.1% | $96,538-14.2% | $139,487-40.6% |
| Participation rate | 50.0% | 77.8%-27.8pp | 74.3%-24.3pp | 80.3%-30.3pp |
| Annual return | 19.77% | 38.48%-18.7pp | 35.74%-16.0pp | 373.84%-354.1pp |
| Employer contribution / active EE | $1,863 | $4,107-54.6% | $3,740-50.2% | $4,755-60.8% |
| Participant deferral / active EE | $4,711 | $5,457-13.7% | $4,880-3.5% | $6,713-29.8% |
| Admin fee / account holder | $918 | $7,888-88.4% | $6,737-86.4% | $11,407-92.0% |