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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 | $57,958 | $110,379-47.5% | $102,412-43.4% | $145,884-60.3% |
| Participation rate | 52.4% | 77.9%-25.5pp | 74.5%-22.1pp | 80.3%-27.9pp |
| Annual return | 13.34% | 24.84%-11.5pp | 24.94%-11.6pp | 551.85%-538.5pp |
| Employer contribution / active EE | $1,199 | $4,216-71.6% | $3,870-69.0% | $4,662-74.3% |
| Participant deferral / active EE | $2,184 | $5,622-61.1% | $5,060-56.8% | $6,690-67.4% |
| Admin fee / account holder | $6,228 | $9,745-36.1% | $8,388-25.8% | $13,392-53.5% |