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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 | $123,567 | $211,224-41.5% | $178,505-30.8% | $145,897-15.3% |
| Participation rate | 50.0% | 80.8%-30.8pp | 77.1%-27.1pp | 80.3%-30.3pp |
| Annual return | 11.76% | 30.28%-18.5pp | 27.16%-15.4pp | 552.29%-540.5pp |
| Employer contribution / active EE | $1,552 | $4,577-66.1% | $3,955-60.8% | $4,663-66.7% |
| Participant deferral / active EE | $5,373 | $6,966-22.9% | $6,280-14.4% | $6,689-19.7% |
| Admin fee / account holder | $4,688 | $12,109-61.3% | $10,428-55.0% | $13,390-65.0% |