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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 | $86,294 | $110,212-21.7% | $96,534-10.6% | $139,466-38.1% |
| Participation rate | 57.1% | 78.1%-21.0pp | 76.0%-18.8pp | 80.3%-23.2pp |
| Annual return | 17.85% | 26.42%-8.6pp | 25.88%-8.0pp | 373.66%-355.8pp |
| Employer contribution / active EE | $1,381 | $3,620-61.8% | $2,965-53.4% | $4,754-70.9% |
| Participant deferral / active EE | $8,036 | $5,547+44.9% | $4,851+65.6% | $6,712+19.7% |
| Admin fee / account holder | $599 | $11,599-94.8% | $8,253-92.7% | $11,409-94.8% |