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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 | $86,956 | $123,155-29.4% | $108,753-20.0% | $155,188-44.0% |
| Participation rate | 33.3% | 75.6%-42.3pp | 71.1%-37.8pp | 80.8%-47.5pp |
| Annual return | 12.39% | 44.73%-32.3pp | 37.47%-25.1pp | 148.84%-136.4pp |
| Employer contribution / active EE | $897 | $2,811-68.1% | $2,427-63.0% | $4,248-78.9% |
| Participant deferral / active EE | $3,308 | $4,623-28.5% | $4,115-19.6% | $6,531-49.4% |
| Admin fee / account holder | $7,956 | $12,126-34.4% | $10,320-22.9% | $14,480-45.1% |