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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 | $91,299 | $101,950-10.4% | $125,529-27.3% | $86,983+5.0% |
| Participation rate | 53.1% | 70.2%-17.0pp | 74.7%-21.6pp | 69.5%-16.4pp |
| Annual return | 18.66% | 18.29%+0.4pp | 202.56%-183.9pp | 25.83%-7.2pp |
| Employer contribution / active EE | $1,257 | $2,358-46.7% | $3,058-58.9% | $2,584-51.4% |
| Participant deferral / active EE | $2,863 | $3,862-25.9% | $4,813-40.5% | $4,194-31.7% |
| Admin fee / account holder | $1,283 | $12,791-90.0% | $16,298-92.1% | $7,856-83.7% |