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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 | $88,513 | $135,956-34.9% | $123,894-28.6% | $273,972-67.7% |
| Participation rate | 45.5% | 84.1%-38.6pp | 81.4%-36.0pp | 83.0%-37.6pp |
| Annual return | 7.00% | 56.63%-49.6pp | 47.52%-40.5pp | 41.46%-34.5pp |
| Employer contribution / active EE | $893 | $5,170-82.7% | $4,617-80.7% | $4,869-81.7% |
| Participant deferral / active EE | $4,220 | $6,343-33.5% | $5,984-29.5% | $5,287-20.2% |
| Admin fee / account holder | $4,405 | $9,817-55.1% | $8,357-47.3% | $10,133-56.5% |