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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 | $80,417 | $62,592+28.5% | $85,709-6.2% | $85,847-6.3% |
| Participation rate | 52.9% | 61.1%-8.2pp | 69.9%-16.9pp | 69.3%-16.4pp |
| Annual return | 11.90% | 23.77%-11.9pp | 21.49%-9.6pp | 318.61%-306.7pp |
| Employer contribution / active EE | $522 | $1,755-70.3% | $2,619-80.1% | $2,565-79.7% |
| Participant deferral / active EE | $1,757 | $2,802-37.3% | $3,924-55.2% | $3,952-55.5% |
| Admin fee / account holder | $1,385 | $4,643-70.2% | $6,876-79.9% | $6,261-77.9% |