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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 | $60,029 | $95,188-36.9% | $76,518-21.5% | $135,380-55.7% |
| Participation rate | 53.8% | 74.4%-20.5pp | 68.0%-14.2pp | 82.6%-28.8pp |
| Annual return | 11.09% | 4.85%+6.2pp | -0.27%+11.4pp | 519.81%-508.7pp |
| Employer contribution / active EE | $1,794 | $3,303-45.7% | $2,647-32.2% | $4,779-62.5% |
| Participant deferral / active EE | $2,311 | $4,640-50.2% | $3,836-39.7% | $5,609-58.8% |
| Admin fee / account holder | $2,056 | $6,249-67.1% | $4,849-57.6% | $10,828-81.0% |