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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 | $95,520 | $117,829-18.9% | $102,423-6.7% | $145,877-34.5% |
| Participation rate | 68.8% | 78.6%-9.9pp | 76.5%-7.8pp | 80.3%-11.6pp |
| Annual return | 12.28% | 31.83%-19.6pp | 29.42%-17.1pp | 551.28%-539.0pp |
| Employer contribution / active EE | $1,798 | $3,615-50.3% | $3,023-40.5% | $4,663-61.5% |
| Participant deferral / active EE | $4,767 | $5,732-16.8% | $5,054-5.7% | $6,691-28.7% |
| Admin fee / account holder | $1,334 | $13,335-90.0% | $9,455-85.9% | $13,402-90.0% |