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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 | $99,787 | $136,860-27.1% | $120,344-17.1% | $154,746-35.5% |
| Participation rate | 56.5% | 79.9%-23.4pp | 76.7%-20.2pp | 80.7%-24.2pp |
| Annual return | 16.30% | 21.38%-5.1pp | 20.30%-4.0pp | 172.34%-156.0pp |
| Employer contribution / active EE | $969 | $3,533-72.6% | $3,020-67.9% | $4,379-77.9% |
| Participant deferral / active EE | $3,888 | $5,793-32.9% | $5,135-24.3% | $6,730-42.2% |
| Admin fee / account holder | $2,797 | $15,393-81.8% | $12,742-78.0% | $14,365-80.5% |