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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 | $68,019 | $114,013-40.3% | $103,693-34.4% | $155,188-56.2% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 80.8%-30.8pp |
| Annual return | 18.99% | 49.31%-30.3pp | 47.61%-28.6pp | 148.84%-129.9pp |
| Employer contribution / active EE | $1,556 | $3,131-50.3% | $2,920-46.7% | $4,248-63.4% |
| Participant deferral / active EE | $4,062 | $4,970-18.3% | $4,579-11.3% | $6,531-37.8% |
| Admin fee / account holder | $18,124 | $8,407+115.6% | $7,858+130.6% | $14,480+25.2% |