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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 | $109,431 | $124,330-12.0% | $109,173+0.2% | $167,536-34.7% |
| Participation rate | 33.3% | 79.5%-46.1pp | 75.9%-42.5pp | 82.1%-48.8pp |
| Annual return | 12.50% | 26.04%-13.5pp | 25.75%-13.3pp | 478.82%-466.3pp |
| Employer contribution / active EE | $1,270 | $4,209-69.8% | $3,723-65.9% | $4,839-73.8% |
| Participant deferral / active EE | $6,500 | $5,256+23.7% | $4,654+39.7% | $6,342+2.5% |
| Admin fee / account holder | $694 | $7,974-91.3% | $6,755-89.7% | $12,315-94.4% |