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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 | $93,385 | $88,672+5.3% | $105,223-11.3% | $82,448+13.3% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 26.64% | 30.86%-4.2pp | 180.65%-154.0pp | 41.64%-15.0pp |
| Employer contribution / active EE | $1,232 | $3,048-59.6% | $3,689-66.6% | $2,551-51.7% |
| Participant deferral / active EE | $2,807 | $4,036-30.5% | $5,072-44.7% | $4,139-32.2% |
| Admin fee / account holder | $2,143 | $7,146-70.0% | $8,859-75.8% | $7,234-70.4% |