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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 | $54,898 | $181,896-69.8% | $156,551-64.9% | $273,972-80.0% |
| Participation rate | 60.0% | 88.4%-28.4pp | 84.0%-24.0pp | 83.0%-23.0pp |
| Annual return | 10.80% | 30.74%-19.9pp | 32.23%-21.4pp | 41.46%-30.7pp |
| Employer contribution / active EE | $2,633 | $6,248-57.9% | $5,501-52.1% | $4,869-45.9% |
| Participant deferral / active EE | $4,327 | $5,550-22.0% | $4,871-11.2% | $5,287-18.2% |
| Admin fee / account holder | $826 | $15,560-94.7% | $13,028-93.7% | $10,133-91.9% |