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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 | $145,684 | $110,337+32.0% | $102,383+42.3% | $145,877-0.1% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 16.49% | 24.83%-8.3pp | 24.94%-8.4pp | 551.28%-534.8pp |
| Employer contribution / active EE | $1,581 | $4,216-62.5% | $3,870-59.2% | $4,663-66.1% |
| Participant deferral / active EE | $3,374 | $5,621-40.0% | $5,060-33.3% | $6,691-49.6% |
| Admin fee / account holder | $888 | $9,750-90.9% | $8,391-89.4% | $13,402-93.4% |