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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 | $47,443 | $87,059-45.5% | $105,608-55.1% | $80,925-41.4% |
| Participation rate | 58.5% | 70.4%-11.9pp | 75.3%-16.7pp | 67.7%-9.1pp |
| Annual return | 10.55% | 17.05%-6.5pp | 116.50%-106.0pp | 35.65%-25.1pp |
| Employer contribution / active EE | $1,793 | $2,396-25.2% | $3,167-43.4% | $2,756-34.9% |
| Participant deferral / active EE | $6,416 | $3,986+61.0% | $5,010+28.1% | $4,299+49.2% |
| Admin fee / account holder | $1,743 | $8,443-79.4% | $11,028-84.2% | $6,940-74.9% |