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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 | $122,686 | $149,741-18.1% | $118,914+3.2% | $158,982-22.8% |
| Participation rate | 54.2% | 82.1%-28.0pp | 75.4%-21.2pp | 82.0%-27.8pp |
| Annual return | 14.50% | 19.94%-5.4pp | 35.89%-21.4pp | 302.99%-288.5pp |
| Employer contribution / active EE | $865 | $4,119-79.0% | $3,264-73.5% | $4,763-81.8% |
| Participant deferral / active EE | $2,857 | $5,226-45.3% | $4,266-33.0% | $5,983-52.2% |
| Admin fee / account holder | $459 | $8,607-94.7% | $6,582-93.0% | $11,252-95.9% |