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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 | $108,334 | $78,670+37.7% | $109,173-0.8% | $85,847+26.2% |
| Participation rate | 29.1% | 68.3%-39.2pp | 75.9%-46.8pp | 69.3%-40.2pp |
| Annual return | 14.81% | 25.09%-10.3pp | 25.75%-10.9pp | 318.61%-303.8pp |
| Employer contribution / active EE | $1,326 | $2,734-51.5% | $3,723-64.4% | $2,565-48.3% |
| Participant deferral / active EE | $2,822 | $3,467-18.6% | $4,654-39.4% | $3,952-28.6% |
| Admin fee / account holder | $832 | $5,469-84.8% | $6,755-87.7% | $6,261-86.7% |