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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 | $83,998 | $77,901+7.8% | $149,717-43.9% | $75,181+11.7% |
| Participation rate | 53.1% | 65.6%-12.5pp | 78.8%-25.6pp | 67.2%-14.1pp |
| Annual return | 16.29% | 31.73%-15.4pp | 134.41%-118.1pp | 160.69%-144.4pp |
| Employer contribution / active EE | $1,144 | $3,137-63.5% | $4,820-76.3% | $2,671-57.2% |
| Participant deferral / active EE | $2,175 | $3,411-36.2% | $5,682-61.7% | $4,126-47.3% |
| Admin fee / account holder | $598 | $5,949-89.9% | $13,213-95.5% | $5,650-89.4% |