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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 | $88,815 | $88,672+0.2% | $105,223-15.6% | $82,448+7.7% |
| Participation rate | 40.5% | 67.9%-27.4pp | 75.0%-34.5pp | 68.1%-27.5pp |
| Annual return | 16.67% | 30.86%-14.2pp | 180.65%-164.0pp | 41.64%-25.0pp |
| Employer contribution / active EE | $1,138 | $3,048-62.7% | $3,689-69.1% | $2,551-55.4% |
| Participant deferral / active EE | $2,302 | $4,036-43.0% | $5,072-54.6% | $4,139-44.4% |
| Admin fee / account holder | $1,040 | $7,146-85.4% | $8,859-88.3% | $7,234-85.6% |