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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 | $92,620 | $101,063-8.4% | $81,473+13.7% | $147,586-37.2% |
| Participation rate | 35.0% | 74.5%-39.5pp | 68.0%-33.0pp | 82.8%-47.8pp |
| Annual return | 11.82% | 32.41%-20.6pp | 38.78%-27.0pp | 578.59%-566.8pp |
| Employer contribution / active EE | $1,389 | $3,206-56.7% | $2,568-45.9% | $4,876-71.5% |
| Participant deferral / active EE | $3,961 | $4,242-6.6% | $3,537+12.0% | $5,439-27.2% |
| Admin fee / account holder | $2,676 | $5,812-54.0% | $4,561-41.3% | $10,886-75.4% |