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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 | $85,621 | $181,896-52.9% | $156,551-45.3% | $273,972-68.7% |
| Participation rate | 50.0% | 88.4%-38.4pp | 84.0%-34.0pp | 83.0%-33.0pp |
| Annual return | 5.46% | 30.74%-25.3pp | 32.23%-26.8pp | 41.46%-36.0pp |
| Employer contribution / active EE | $3,060 | $6,248-51.0% | $5,501-44.4% | $4,869-37.2% |
| Participant deferral / active EE | $6,410 | $5,550+15.5% | $4,871+31.6% | $5,287+21.2% |
| Admin fee / account holder | $2,436 | $15,560-84.3% | $13,028-81.3% | $10,133-76.0% |