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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 | $60,777 | $92,219-34.1% | $76,766-20.8% | $135,382-55.1% |
| Participation rate | 57.1% | 79.8%-22.6pp | 77.0%-19.8pp | 82.6%-25.5pp |
| Annual return | 5.47% | 5.46%0pp | 2.43%+3.0pp | 519.77%-514.3pp |
| Employer contribution / active EE | $1,018 | $3,216-68.4% | $2,485-59.1% | $4,779-78.7% |
| Participant deferral / active EE | $3,627 | $4,508-19.6% | $3,851-5.8% | $5,609-35.3% |
| Admin fee / account holder | $695 | $10,749-93.5% | $6,675-89.6% | $10,829-93.6% |