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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 | $54,446 | $115,901-53.0% | $100,525-45.8% | $158,931-65.7% |
| Participation rate | 58.3% | 81.6%-23.2pp | 79.4%-21.1pp | 82.0%-23.6pp |
| Annual return | 11.13% | 34.80%-23.7pp | 30.89%-19.8pp | 302.86%-291.7pp |
| Employer contribution / active EE | $1,366 | $4,104-66.7% | $3,418-60.0% | $4,761-71.3% |
| Participant deferral / active EE | $5,348 | $6,675-19.9% | $6,270-14.7% | $5,982-10.6% |
| Admin fee / account holder | $2,223 | $10,998-79.8% | $8,082-72.5% | $11,247-80.2% |