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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 | $86,984 | $176,794-50.8% | $146,647-40.7% | $167,553-48.1% |
| Participation rate | 61.5% | 83.6%-22.1pp | 80.1%-18.5pp | 82.1%-20.6pp |
| Annual return | 11.51% | 24.04%-12.5pp | 22.75%-11.2pp | 478.89%-467.4pp |
| Employer contribution / active EE | $1,383 | $5,161-73.2% | $4,137-66.6% | $4,840-71.4% |
| Participant deferral / active EE | $3,857 | $6,440-40.1% | $5,506-29.9% | $6,343-39.2% |
| Admin fee / account holder | $1,119 | $13,262-91.6% | $10,281-89.1% | $12,316-90.9% |