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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 | $100,453 | $123,155-18.4% | $108,753-7.6% | $155,188-35.3% |
| Participation rate | 30.0% | 75.6%-45.6pp | 71.1%-41.1pp | 80.8%-50.8pp |
| Annual return | 19.39% | 44.73%-25.3pp | 37.47%-18.1pp | 148.84%-129.4pp |
| Employer contribution / active EE | $1,122 | $2,811-60.1% | $2,427-53.8% | $4,248-73.6% |
| Participant deferral / active EE | $7,537 | $4,623+63.0% | $4,115+83.2% | $6,531+15.4% |
| Admin fee / account holder | $1,508 | $12,126-87.6% | $10,320-85.4% | $14,480-89.6% |