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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 | $109,283 | $174,379-37.3% | $152,093-28.1% | $138,895-21.3% |
| Participation rate | 45.5% | 81.6%-36.2pp | 77.8%-32.3pp | 79.9%-34.5pp |
| Annual return | 18.28% | 74.86%-56.6pp | 66.36%-48.1pp | 145.39%-127.1pp |
| Employer contribution / active EE | $1,539 | $4,652-66.9% | $4,175-63.1% | $4,194-63.3% |
| Participant deferral / active EE | $3,585 | $6,159-41.8% | $5,451-34.2% | $6,396-44.0% |
| Admin fee / account holder | $3,022 | $16,880-82.1% | $14,497-79.2% | $12,562-75.9% |