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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 | $129,293 | $181,896-28.9% | $156,551-17.4% | $273,972-52.8% |
| Participation rate | 28.6% | 88.4%-59.8pp | 84.0%-55.4pp | 83.0%-54.4pp |
| Annual return | 5.83% | 30.74%-24.9pp | 32.23%-26.4pp | 41.46%-35.6pp |
| Employer contribution / active EE | $1,532 | $6,248-75.5% | $5,501-72.2% | $4,869-68.5% |
| Participant deferral / active EE | $3,892 | $5,550-29.9% | $4,871-20.1% | $5,287-26.4% |
| Admin fee / account holder | $3,074 | $15,560-80.2% | $13,028-76.4% | $10,133-69.7% |