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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 | $72,577 | $99,345-26.9% | $84,753-14.4% | $273,972-73.5% |
| Participation rate | 50.0% | 80.7%-30.7pp | 76.6%-26.6pp | 83.0%-33.0pp |
| Annual return | 6.27% | 22.93%-16.7pp | 22.78%-16.5pp | 41.46%-35.2pp |
| Employer contribution / active EE | $1,656 | $4,214-60.7% | $3,574-53.7% | $4,869-66.0% |
| Participant deferral / active EE | $4,327 | $4,270+1.3% | $3,712+16.6% | $5,287-18.2% |
| Admin fee / account holder | $4,305 | $6,645-35.2% | $5,333-19.3% | $10,133-57.5% |