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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 | $65,583 | $165,381-60.3% | $149,730-56.2% | $158,966-58.7% |
| Participation rate | 55.0% | 84.6%-29.6pp | 82.5%-27.5pp | 82.0%-27.0pp |
| Annual return | 17.85% | 348.29%-330.4pp | 276.70%-258.9pp | 302.95%-285.1pp |
| Employer contribution / active EE | $1,090 | $5,104-78.6% | $4,645-76.5% | $4,762-77.1% |
| Participant deferral / active EE | $3,649 | $7,182-49.2% | $6,843-46.7% | $5,983-39.0% |
| Admin fee / account holder | $1,396 | $10,809-87.1% | $9,310-85.0% | $11,250-87.6% |