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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 | $74,480 | $37,156+100.5% | $83,854-11.2% | $86,983-14.4% |
| Participation rate | 43.8% | 49.1%-5.2pp | 59.1%-15.3pp | 69.5%-25.7pp |
| Annual return | 18.25% | 29.88%-11.6pp | 31.39%-13.1pp | 25.83%-7.6pp |
| Employer contribution / active EE | $1,117 | $661+69.0% | $1,017+9.8% | $2,584-56.8% |
| Participant deferral / active EE | $3,106 | $1,418+119.1% | $2,035+52.6% | $4,194-25.9% |
| Admin fee / account holder | $10,088 | $2,510+301.9% | $3,197+215.6% | $7,856+28.4% |