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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 | $90,208 | $107,421-16.0% | $182,262-50.5% | $94,015-4.0% |
| Participation rate | 48.4% | 77.8%-29.4pp | 84.2%-35.8pp | 70.8%-22.4pp |
| Annual return | 18.74% | 21.32%-2.6pp | 140.60%-121.9pp | 17.84%+0.9pp |
| Employer contribution / active EE | $1,500 | $3,448-56.5% | $5,046-70.3% | $2,790-46.2% |
| Participant deferral / active EE | $2,673 | $6,558-59.2% | $8,276-67.7% | $4,249-37.1% |
| Admin fee / account holder | $3,400 | $8,692-60.9% | $16,712-79.7% | $8,951-62.0% |