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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 | $85,033 | $124,980-32.0% | $108,359-21.5% | $154,746-45.0% |
| Participation rate | 55.6% | 75.2%-19.6pp | 70.1%-14.6pp | 80.7%-25.1pp |
| Annual return | 15.97% | 45.00%-29.0pp | 36.89%-20.9pp | 172.34%-156.4pp |
| Employer contribution / active EE | $1,497 | $2,851-47.5% | $2,399-37.6% | $4,379-65.8% |
| Participant deferral / active EE | $3,402 | $4,743-28.3% | $4,137-17.8% | $6,730-49.5% |
| Admin fee / account holder | $6,861 | $11,502-40.4% | $9,741-29.6% | $14,365-52.2% |