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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 | $89,310 | $177,595-49.7% | $148,496-39.9% | $198,609-55.0% |
| Participation rate | 58.3% | 79.3%-20.9pp | 76.0%-17.7pp | 82.4%-24.0pp |
| Annual return | 14.84% | 9.97%+4.9pp | 12.33%+2.5pp | 202.70%-187.9pp |
| Employer contribution / active EE | $2,093 | $4,098-48.9% | $3,497-40.1% | $5,055-58.6% |
| Participant deferral / active EE | $3,807 | $5,539-31.3% | $4,808-20.8% | $6,977-45.4% |
| Admin fee / account holder | $7,275 | $27,010-73.1% | $19,547-62.8% | $19,030-61.8% |