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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 | $131,920 | $239,571-44.9% | $183,328-28.0% | $137,256-3.9% |
| Participation rate | 45.5% | 82.4%-36.9pp | 77.3%-31.9pp | 80.0%-34.5pp |
| Annual return | 17.24% | 35.69%-18.4pp | 29.67%-12.4pp | 220.34%-203.1pp |
| Employer contribution / active EE | $1,457 | $6,148-76.3% | $5,055-71.2% | $4,156-64.9% |
| Participant deferral / active EE | $5,580 | $7,995-30.2% | $6,795-17.9% | $6,407-12.9% |
| Admin fee / account holder | $1,163 | $30,059-96.1% | $21,427-94.6% | $12,270-90.5% |