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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 | $213,785-45.4% | $185,441-37.0% | $155,188-24.8% |
| Participation rate | 50.0% | 83.2%-33.2pp | 80.3%-30.3pp | 80.8%-30.8pp |
| Annual return | 18.31% | 19.97%-1.7pp | 20.16%-1.9pp | 148.84%-130.5pp |
| Employer contribution / active EE | $1,257 | $5,393-76.7% | $4,672-73.1% | $4,248-70.4% |
| Participant deferral / active EE | $2,353 | $6,864-65.7% | $6,152-61.7% | $6,531-64.0% |
| Admin fee / account holder | $2,596 | $21,134-87.7% | $17,890-85.5% | $14,480-82.1% |