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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 | $107,809-38.1% | $97,032-31.2% | $155,188-57.0% |
| Participation rate | 50.0% | 75.5%-25.5pp | 71.6%-21.6pp | 80.8%-30.8pp |
| Annual return | 16.19% | 38.06%-21.9pp | 35.38%-19.2pp | 148.84%-132.6pp |
| Employer contribution / active EE | $840 | $2,911-71.1% | $2,629-68.1% | $4,248-80.2% |
| Participant deferral / active EE | $1,024 | $5,129-80.0% | $4,672-78.1% | $6,531-84.3% |
| Admin fee / account holder | $3,595 | $10,717-66.5% | $9,418-61.8% | $14,480-75.2% |