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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 | $184,014-36.5% | $161,149-27.5% | $138,895-15.9% |
| Participation rate | 50.0% | 82.1%-32.1pp | 78.8%-28.8pp | 79.9%-29.9pp |
| Annual return | 18.31% | 21.52%-3.2pp | 21.16%-2.8pp | 145.39%-127.1pp |
| Employer contribution / active EE | $1,257 | $5,055-75.1% | $4,360-71.2% | $4,194-70.0% |
| Participant deferral / active EE | $2,353 | $6,909-65.9% | $6,153-61.8% | $6,396-63.2% |
| Admin fee / account holder | $2,596 | $18,027-85.6% | $15,194-82.9% | $12,562-79.3% |