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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 | $89,466 | $98,776-9.4% | $149,745-40.3% | $79,856+12.0% |
| Participation rate | 53.7% | 75.8%-22.1pp | 82.5%-28.8pp | 69.6%-16.0pp |
| Annual return | 22.97% | 27.38%-4.4pp | 276.72%-253.8pp | 31.71%-8.7pp |
| Employer contribution / active EE | $1,476 | $3,217-54.1% | $4,646-68.2% | $2,471-40.3% |
| Participant deferral / active EE | $2,576 | $5,681-54.7% | $6,843-62.4% | $3,741-31.1% |
| Admin fee / account holder | $1,106 | $6,053-81.7% | $9,312-88.1% | $5,306-79.2% |