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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 | $84,671 | $104,650-19.1% | $83,854+1.0% | $155,188-45.4% |
| Participation rate | 45.0% | 65.1%-20.1pp | 59.1%-14.1pp | 80.8%-35.8pp |
| Annual return | 5.93% | 28.97%-23.0pp | 31.39%-25.5pp | 148.84%-142.9pp |
| Employer contribution / active EE | $650 | $1,196-45.7% | $1,017-36.1% | $4,248-84.7% |
| Participant deferral / active EE | $813 | $2,367-65.7% | $2,035-60.1% | $6,531-87.6% |
| Admin fee / account holder | $704 | $3,518-80.0% | $3,197-78.0% | $14,480-95.1% |