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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 | $72,012 | $199,109-63.8% | $173,730-58.5% | $154,746-53.5% |
| Participation rate | 53.8% | 82.8%-29.0pp | 79.6%-25.7pp | 80.7%-26.9pp |
| Annual return | 15.98% | 20.02%-4.0pp | 19.96%-4.0pp | 172.34%-156.4pp |
| Employer contribution / active EE | $1,207 | $5,311-77.3% | $4,577-73.6% | $4,379-72.4% |
| Participant deferral / active EE | $6,555 | $7,113-7.8% | $6,326+3.6% | $6,730-2.6% |
| Admin fee / account holder | $11,319 | $20,916-45.9% | $17,523-35.4% | $14,365-21.2% |