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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 | $94,724 | $111,814-15.3% | $103,378-8.4% | $145,978-35.1% |
| Participation rate | 55.6% | 77.9%-22.4pp | 74.5%-19.0pp | 80.3%-24.7pp |
| Annual return | 26.59% | 24.80%+1.8pp | 24.91%+1.7pp | 550.52%-523.9pp |
| Employer contribution / active EE | $1,338 | $4,215-68.3% | $3,870-65.4% | $4,662-71.3% |
| Participant deferral / active EE | $6,641 | $5,618+18.2% | $5,058+31.3% | $6,690-0.7% |
| Admin fee / account holder | $3,151 | $9,764-67.7% | $8,401-62.5% | $13,400-76.5% |