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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 | $98,549 | $124,425-20.8% | $112,040-12.0% | $137,256-28.2% |
| Participation rate | 69.2% | 79.3%-10.1pp | 76.5%-7.3pp | 80.0%-10.7pp |
| Annual return | 15.45% | 24.72%-9.3pp | 24.52%-9.1pp | 220.34%-204.9pp |
| Employer contribution / active EE | $1,094 | $3,411-67.9% | $2,954-63.0% | $4,156-73.7% |
| Participant deferral / active EE | $1,981 | $5,718-65.4% | $5,098-61.1% | $6,407-69.1% |
| Admin fee / account holder | $722 | $15,207-95.3% | $12,098-94.0% | $12,270-94.1% |