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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 | $103,265 | $199,109-48.1% | $173,730-40.6% | $154,746-33.3% |
| Participation rate | 57.9% | 82.8%-24.9pp | 79.6%-21.7pp | 80.7%-22.8pp |
| Annual return | 14.66% | 20.02%-5.4pp | 19.96%-5.3pp | 172.34%-157.7pp |
| Employer contribution / active EE | $1,366 | $5,311-74.3% | $4,577-70.2% | $4,379-68.8% |
| Participant deferral / active EE | $5,312 | $7,113-25.3% | $6,326-16.0% | $6,730-21.1% |
| Admin fee / account holder | $25,163 | $20,916+20.3% | $17,523+43.6% | $14,365+75.2% |