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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 | $132,792 | $165,939-20.0% | $122,354+8.5% | $147,585-10.0% |
| Participation rate | 11.8% | 79.6%-67.8pp | 71.6%-59.9pp | 82.8%-71.1pp |
| Annual return | 14.09% | 34.56%-20.5pp | 30.28%-16.2pp | 578.58%-564.5pp |
| Employer contribution / active EE | $1,271 | $5,754-77.9% | $4,051-68.6% | $4,876-73.9% |
| Participant deferral / active EE | $2,824 | $4,005-29.5% | $3,287-14.1% | $5,439-48.1% |
| Admin fee / account holder | $987 | $7,425-86.7% | $5,479-82.0% | $10,886-90.9% |