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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 | $90,762 | $124,351-27.0% | $109,188-16.9% | $167,553-45.8% |
| Participation rate | 60.9% | 79.4%-18.6pp | 75.9%-15.0pp | 82.1%-21.2pp |
| Annual return | 12.60% | 26.04%-13.4pp | 25.76%-13.2pp | 478.89%-466.3pp |
| Employer contribution / active EE | $1,509 | $4,210-64.1% | $3,723-59.5% | $4,840-68.8% |
| Participant deferral / active EE | $2,856 | $5,257-45.7% | $4,654-38.6% | $6,343-55.0% |
| Admin fee / account holder | $1,878 | $7,975-76.5% | $6,755-72.2% | $12,316-84.8% |