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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 | $109,066 | $124,314-12.3% | $109,163-0.1% | $167,518-34.9% |
| Participation rate | 61.9% | 79.4%-17.5pp | 75.9%-14.0pp | 82.1%-20.2pp |
| Annual return | 13.85% | 26.04%-12.2pp | 25.75%-11.9pp | 478.71%-464.9pp |
| Employer contribution / active EE | $1,783 | $4,209-57.6% | $3,723-52.1% | $4,838-63.1% |
| Participant deferral / active EE | $6,112 | $5,256+16.3% | $4,654+31.3% | $6,342-3.6% |
| Admin fee / account holder | $337 | $7,973-95.8% | $6,754-95.0% | $12,312-97.3% |