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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 | $69,422 | $117,829-41.1% | $102,423-32.2% | $145,877-52.4% |
| Participation rate | 61.1% | 78.6%-17.5pp | 76.5%-15.4pp | 80.3%-19.2pp |
| Annual return | 10.94% | 31.83%-20.9pp | 29.42%-18.5pp | 551.28%-540.3pp |
| Employer contribution / active EE | $1,456 | $3,615-59.7% | $3,023-51.8% | $4,663-68.8% |
| Participant deferral / active EE | $3,540 | $5,732-38.2% | $5,054-30.0% | $6,691-47.1% |
| Admin fee / account holder | $7,488 | $13,335-43.8% | $9,455-20.8% | $13,402-44.1% |