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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 | $73,254 | $86,288-15.1% | $111,306-34.2% | $85,851-14.7% |
| Participation rate | 53.5% | 73.3%-19.8pp | 77.3%-23.8pp | 69.3%-15.8pp |
| Annual return | 12.60% | 19.99%-7.4pp | 54.67%-42.1pp | 318.63%-306.0pp |
| Employer contribution / active EE | $1,393 | $2,044-31.9% | $2,732-49.0% | $2,565-45.7% |
| Participant deferral / active EE | $2,706 | $3,641-25.7% | $4,488-39.7% | $3,952-31.5% |
| Admin fee / account holder | $5,065 | $8,189-38.2% | $7,966-36.4% | $6,261-19.1% |