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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 | $125,045 | $181,896-31.3% | $156,551-20.1% | $273,972-54.4% |
| Participation rate | 33.3% | 88.4%-55.1pp | 84.0%-50.7pp | 83.0%-49.7pp |
| Annual return | 12.89% | 30.74%-17.8pp | 32.23%-19.3pp | 41.46%-28.6pp |
| Employer contribution / active EE | $1,532 | $6,248-75.5% | $5,501-72.2% | $4,869-68.5% |
| Participant deferral / active EE | $3,010 | $5,550-45.8% | $4,871-38.2% | $5,287-43.1% |
| Admin fee / account holder | $1,685 | $15,560-89.2% | $13,028-87.1% | $10,133-83.4% |