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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 | $53,954 | $80,332-32.8% | $107,187-49.7% | $64,097-15.8% |
| Participation rate | 50.9% | 54.4%-3.5pp | 75.0%-24.1pp | 55.2%-4.3pp |
| Annual return | 21.72% | 24.26%-2.5pp | 204.55%-182.8pp | 34.64%-12.9pp |
| Employer contribution / active EE | $1,127 | $2,501-54.9% | $3,782-70.2% | $1,891-40.4% |
| Participant deferral / active EE | $1,808 | $3,109-41.8% | $5,096-64.5% | $3,080-41.3% |
| Admin fee / account holder | $2,570 | $4,314-40.4% | $9,162-72.0% | $3,454-25.6% |