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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 | $66,738 | $97,125-31.3% | $86,233-22.6% | $137,256-51.4% |
| Participation rate | 50.0% | 74.2%-24.2pp | 69.0%-19.0pp | 80.0%-30.0pp |
| Annual return | 16.19% | 74.19%-58.0pp | 61.39%-45.2pp | 220.34%-204.2pp |
| Employer contribution / active EE | $840 | $2,841-70.4% | $2,504-66.5% | $4,156-79.8% |
| Participant deferral / active EE | $1,024 | $5,180-80.2% | $4,559-77.6% | $6,407-84.0% |
| Admin fee / account holder | $3,595 | $9,725-63.0% | $8,342-56.9% | $12,270-70.7% |