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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 | $61,330 | $124,425-50.7% | $112,040-45.3% | $137,256-55.3% |
| Participation rate | 50.0% | 79.3%-29.3pp | 76.5%-26.5pp | 80.0%-30.0pp |
| Annual return | 20.47% | 24.72%-4.2pp | 24.52%-4.0pp | 220.34%-199.9pp |
| Employer contribution / active EE | $1,533 | $3,411-55.1% | $2,954-48.1% | $4,156-63.1% |
| Participant deferral / active EE | $5,129 | $5,718-10.3% | $5,098+0.6% | $6,407-19.9% |
| Admin fee / account holder | $7,582 | $15,207-50.1% | $12,098-37.3% | $12,270-38.2% |