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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 | $91,140 | $107,421-15.2% | $182,262-50.0% | $94,015-3.1% |
| Participation rate | 58.8% | 77.8%-19.0pp | 84.2%-25.4pp | 70.8%-12.0pp |
| Annual return | 16.71% | 21.32%-4.6pp | 140.60%-123.9pp | 17.84%-1.1pp |
| Employer contribution / active EE | $1,059 | $3,448-69.3% | $5,046-79.0% | $2,790-62.1% |
| Participant deferral / active EE | $2,805 | $6,558-57.2% | $8,276-66.1% | $4,249-34.0% |
| Admin fee / account holder | $998 | $8,692-88.5% | $16,712-94.0% | $8,951-88.8% |