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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 | $74,097 | $105,284-29.6% | $150,734-50.8% | $94,015-21.2% |
| Participation rate | 63.3% | 71.7%-8.4pp | 78.4%-15.1pp | 70.8%-7.5pp |
| Annual return | 16.77% | 15.67%+1.1pp | 600.81%-584.0pp | 17.84%-1.1pp |
| Employer contribution / active EE | $1,049 | $3,599-70.8% | $4,918-78.7% | $2,790-62.4% |
| Participant deferral / active EE | $3,163 | $4,274-26.0% | $5,610-43.6% | $4,249-25.6% |
| Admin fee / account holder | $1,333 | $9,839-86.5% | $14,905-91.1% | $8,951-85.1% |