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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 | $97,125-15.7% | $86,233-5.1% | $137,256-40.4% |
| Participation rate | 55.0% | 74.2%-19.2pp | 69.0%-14.0pp | 80.0%-25.0pp |
| Annual return | 12.45% | 74.19%-61.7pp | 61.39%-48.9pp | 220.34%-207.9pp |
| Employer contribution / active EE | $1,529 | $2,841-46.2% | $2,504-38.9% | $4,156-63.2% |
| Participant deferral / active EE | $4,670 | $5,180-9.8% | $4,559+2.4% | $6,407-27.1% |
| Admin fee / account holder | $2,593 | $9,725-73.3% | $8,342-68.9% | $12,270-78.9% |