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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 | $27,870 | $174,379-84.0% | $152,093-81.7% | $138,895-79.9% |
| Participation rate | 50.0% | 81.6%-31.6pp | 77.8%-27.8pp | 79.9%-29.9pp |
| Annual return | 11.83% | 74.86%-63.0pp | 66.36%-54.5pp | 145.39%-133.6pp |
| Employer contribution / active EE | $1,726 | $4,652-62.9% | $4,175-58.7% | $4,194-58.8% |
| Participant deferral / active EE | $4,815 | $6,159-21.8% | $5,451-11.7% | $6,396-24.7% |
| Admin fee / account holder | $1,133 | $16,880-93.3% | $14,497-92.2% | $12,562-91.0% |