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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 | $81,850 | $147,556-44.5% | $129,031-36.6% | $198,609-58.8% |
| Participation rate | 55.0% | 77.2%-22.2pp | 73.4%-18.4pp | 82.4%-27.4pp |
| Annual return | 12.45% | 37.41%-25.0pp | 34.67%-22.2pp | 202.70%-190.3pp |
| Employer contribution / active EE | $1,529 | $3,645-58.0% | $3,226-52.6% | $5,055-69.8% |
| Participant deferral / active EE | $4,670 | $5,760-18.9% | $5,217-10.5% | $6,977-33.1% |
| Admin fee / account holder | $2,593 | $15,467-83.2% | $13,208-80.4% | $19,030-86.4% |