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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 | $124,425-19.8% | $112,040-10.9% | $137,256-27.3% |
| Participation rate | 56.5% | 79.3%-22.8pp | 76.5%-20.0pp | 80.0%-23.4pp |
| Annual return | 16.30% | 24.72%-8.4pp | 24.52%-8.2pp | 220.34%-204.0pp |
| Employer contribution / active EE | $969 | $3,411-71.6% | $2,954-67.2% | $4,156-76.7% |
| Participant deferral / active EE | $3,888 | $5,718-32.0% | $5,098-23.7% | $6,407-39.3% |
| Admin fee / account holder | $2,797 | $15,207-81.6% | $12,098-76.9% | $12,270-77.2% |