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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 | $76,611 | $111,535-31.3% | $105,223-27.2% | $137,256-44.2% |
| Participation rate | 50.0% | 78.1%-28.1pp | 75.0%-25.0pp | 80.0%-30.0pp |
| Annual return | 17.71% | 237.85%-220.1pp | 180.65%-162.9pp | 220.34%-202.6pp |
| Employer contribution / active EE | $1,725 | $3,939-56.2% | $3,689-53.2% | $4,156-58.5% |
| Participant deferral / active EE | $6,118 | $5,500+11.2% | $5,072+20.6% | $6,407-4.5% |
| Admin fee / account holder | $354 | $9,721-96.4% | $8,859-96.0% | $12,270-97.1% |