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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 | $50,306 | $106,280-52.7% | $96,538-47.9% | $139,487-63.9% |
| Participation rate | 50.0% | 77.8%-27.8pp | 74.3%-24.3pp | 80.3%-30.3pp |
| Annual return | 18.00% | 38.48%-20.5pp | 35.74%-17.7pp | 373.84%-355.8pp |
| Employer contribution / active EE | $1,309 | $4,107-68.1% | $3,740-65.0% | $4,755-72.5% |
| Participant deferral / active EE | $2,423 | $5,457-55.6% | $4,880-50.3% | $6,713-63.9% |
| Admin fee / account holder | $1,007 | $7,888-87.2% | $6,737-85.1% | $11,407-91.2% |