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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 | $45,484 | $110,337-58.8% | $102,383-55.6% | $145,877-68.8% |
| Participation rate | 55.0% | 77.9%-22.9pp | 74.5%-19.5pp | 80.3%-25.3pp |
| Annual return | 13.01% | 24.83%-11.8pp | 24.94%-11.9pp | 551.28%-538.3pp |
| Employer contribution / active EE | $1,405 | $4,216-66.7% | $3,870-63.7% | $4,663-69.9% |
| Participant deferral / active EE | $4,018 | $5,621-28.5% | $5,060-20.6% | $6,691-39.9% |
| Admin fee / account holder | $2,009 | $9,750-79.4% | $8,391-76.1% | $13,402-85.0% |