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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 | $104,301 | $124,314-16.1% | $109,163-4.5% | $167,518-37.7% |
| Participation rate | 66.7% | 79.4%-12.8pp | 75.9%-9.2pp | 82.1%-15.4pp |
| Annual return | 11.19% | 26.04%-14.9pp | 25.75%-14.6pp | 478.71%-467.5pp |
| Employer contribution / active EE | $1,264 | $4,209-70.0% | $3,723-66.1% | $4,838-73.9% |
| Participant deferral / active EE | $4,836 | $5,256-8.0% | $4,654+3.9% | $6,342-23.8% |
| Admin fee / account holder | $3,354 | $7,973-57.9% | $6,754-50.3% | $12,312-72.8% |