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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 | $124,980-30.4% | $108,359-19.8% | $154,746-43.8% |
| Participation rate | 33.3% | 75.2%-41.8pp | 70.1%-36.8pp | 80.7%-47.4pp |
| Annual return | 12.39% | 45.00%-32.6pp | 36.89%-24.5pp | 172.34%-159.9pp |
| Employer contribution / active EE | $897 | $2,851-68.5% | $2,399-62.6% | $4,379-79.5% |
| Participant deferral / active EE | $3,308 | $4,743-30.3% | $4,137-20.0% | $6,730-50.9% |
| Admin fee / account holder | $7,956 | $11,502-30.8% | $9,741-18.3% | $14,365-44.6% |