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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 | $91,408 | $156,616-41.6% | $133,346-31.5% | $198,609-54.0% |
| Participation rate | 60.0% | 77.7%-17.7pp | 72.8%-12.8pp | 82.4%-22.4pp |
| Annual return | 18.22% | 44.25%-26.0pp | 36.85%-18.6pp | 202.70%-184.5pp |
| Employer contribution / active EE | $2,216 | $3,368-34.2% | $2,853-22.3% | $5,055-56.2% |
| Participant deferral / active EE | $3,622 | $4,920-26.4% | $4,332-16.4% | $6,977-48.1% |
| Admin fee / account holder | $1,174 | $17,468-93.3% | $14,264-91.8% | $19,030-93.8% |