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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 | $108,699 | $117,433-7.4% | $99,475+9.3% | $152,897-28.9% |
| Participation rate | 68.4% | 77.5%-9.1pp | 73.8%-5.4pp | 82.5%-14.0pp |
| Annual return | 20.98% | 31.87%-10.9pp | 30.72%-9.7pp | 345.43%-324.4pp |
| Employer contribution / active EE | $1,286 | $3,013-57.3% | $2,540-49.4% | $4,764-73.0% |
| Participant deferral / active EE | $3,592 | $4,086-12.1% | $3,619-0.7% | $5,851-38.6% |
| Admin fee / account holder | $1,281 | $7,634-83.2% | $6,252-79.5% | $11,599-89.0% |