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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 | $129,232 | $110,278+17.2% | $95,740+35.0% | $139,466-7.3% |
| Participation rate | 50.0% | 75.7%-25.7pp | 72.3%-22.3pp | 80.3%-30.3pp |
| Annual return | 18.76% | 27.19%-8.4pp | 28.41%-9.7pp | 373.66%-354.9pp |
| Employer contribution / active EE | $332 | $3,260-89.8% | $2,836-88.3% | $4,754-93.0% |
| Participant deferral / active EE | $3,018 | $4,674-35.4% | $4,244-28.9% | $6,712-55.0% |
| Admin fee / account holder | $1,308 | $6,613-80.2% | $5,676-77.0% | $11,409-88.5% |