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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 | $59,151 | $112,729-47.5% | $98,716-40.1% | $137,256-56.9% |
| Participation rate | 44.4% | 74.2%-29.8pp | 69.3%-24.8pp | 80.0%-35.5pp |
| Annual return | 21.63% | 38.48%-16.9pp | 31.81%-10.2pp | 220.34%-198.7pp |
| Employer contribution / active EE | $1,563 | $2,725-42.6% | $2,279-31.4% | $4,156-62.4% |
| Participant deferral / active EE | $5,582 | $4,640+20.3% | $4,048+37.9% | $6,407-12.9% |
| Admin fee / account holder | $673 | $10,129-93.4% | $8,703-92.3% | $12,270-94.5% |