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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 | $81,624 | $115,903-29.6% | $100,528-18.8% | $158,966-48.7% |
| Participation rate | 29.4% | 81.6%-52.2pp | 79.4%-50.0pp | 82.0%-52.6pp |
| Annual return | 18.70% | 34.80%-16.1pp | 30.90%-12.2pp | 302.95%-284.2pp |
| Employer contribution / active EE | $1,350 | $4,105-67.1% | $3,419-60.5% | $4,762-71.6% |
| Participant deferral / active EE | $2,303 | $6,677-65.5% | $6,271-63.3% | $5,983-61.5% |
| Admin fee / account holder | $7,207 | $11,000-34.5% | $8,084-10.8% | $11,250-35.9% |