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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 | $98,842 | $114,119-13.4% | $107,187-7.8% | $138,895-28.8% |
| Participation rate | 54.5% | 78.1%-23.5pp | 75.0%-20.5pp | 79.9%-25.4pp |
| Annual return | 16.65% | 273.21%-256.6pp | 204.55%-187.9pp | 145.39%-128.7pp |
| Employer contribution / active EE | $1,678 | $4,059-58.7% | $3,782-55.6% | $4,194-60.0% |
| Participant deferral / active EE | $2,641 | $5,538-52.3% | $5,096-48.2% | $6,396-58.7% |
| Admin fee / account holder | $1,332 | $10,024-86.7% | $9,162-85.5% | $12,562-89.4% |