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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 | $93,235 | $97,881-4.7% | $80,004+16.5% | $125,388-25.6% |
| Participation rate | 60.0% | 77.9%-17.9pp | 73.0%-13.0pp | 83.2%-23.2pp |
| Annual return | 0.93% | 9.36%-8.4pp | 7.63%-6.7pp | 282.24%-281.3pp |
| Employer contribution / active EE | $279 | $3,128-91.1% | $2,473-88.7% | $4,866-94.3% |
| Participant deferral / active EE | $2,193 | $3,744-41.4% | $3,204-31.6% | $5,352-59.0% |
| Admin fee / account holder | $1,178 | $6,278-81.2% | $5,033-76.6% | $9,541-87.7% |