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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 | $98,813 | $103,387-4.4% | $87,102+13.4% | $152,885-35.4% |
| Participation rate | 50.0% | 79.4%-29.4pp | 76.9%-26.9pp | 82.5%-32.5pp |
| Annual return | 20.18% | 28.10%-7.9pp | 28.19%-8.0pp | 345.39%-325.2pp |
| Employer contribution / active EE | $1,322 | $3,221-59.0% | $2,521-47.6% | $4,763-72.2% |
| Participant deferral / active EE | $3,042 | $4,778-36.3% | $4,048-24.9% | $5,851-48.0% |
| Admin fee / account holder | $722 | $12,193-94.1% | $7,491-90.4% | $11,598-93.8% |