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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 | $116,768 | $199,109-41.4% | $173,730-32.8% | $154,746-24.5% |
| Participation rate | 50.0% | 82.8%-32.8pp | 79.6%-29.6pp | 80.7%-30.7pp |
| Annual return | 18.31% | 20.02%-1.7pp | 19.96%-1.6pp | 172.34%-154.0pp |
| Employer contribution / active EE | $1,257 | $5,311-76.3% | $4,577-72.5% | $4,379-71.3% |
| Participant deferral / active EE | $2,353 | $7,113-66.9% | $6,326-62.8% | $6,730-65.0% |
| Admin fee / account holder | $2,596 | $20,916-87.6% | $17,523-85.2% | $14,365-81.9% |