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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 | $92,778 | $98,776-6.1% | $149,745-38.0% | $79,856+16.2% |
| Participation rate | 41.0% | 75.8%-34.8pp | 82.5%-41.5pp | 69.6%-28.6pp |
| Annual return | 13.58% | 27.38%-13.8pp | 276.72%-263.1pp | 31.71%-18.1pp |
| Employer contribution / active EE | $1,132 | $3,217-64.8% | $4,646-75.6% | $2,471-54.2% |
| Participant deferral / active EE | $2,539 | $5,681-55.3% | $6,843-62.9% | $3,741-32.1% |
| Admin fee / account holder | $1,225 | $6,053-79.8% | $9,312-86.8% | $5,306-76.9% |