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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 | $104,607 | $110,379-5.2% | $102,412+2.1% | $145,884-28.3% |
| Participation rate | 33.3% | 77.9%-44.6pp | 74.5%-41.2pp | 80.3%-47.0pp |
| Annual return | 12.52% | 24.84%-12.3pp | 24.94%-12.4pp | 551.85%-539.3pp |
| Employer contribution / active EE | $1,279 | $4,216-69.7% | $3,870-67.0% | $4,662-72.6% |
| Participant deferral / active EE | $4,380 | $5,622-22.1% | $5,060-13.4% | $6,690-34.5% |
| Admin fee / account holder | $673 | $9,745-93.1% | $8,388-92.0% | $13,392-95.0% |