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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 | $61,335 | $106,247-42.3% | $96,515-36.5% | $139,466-56.0% |
| Participation rate | 52.6% | 77.8%-25.2pp | 74.3%-21.7pp | 80.3%-27.7pp |
| Annual return | 13.94% | 38.47%-24.5pp | 35.73%-21.8pp | 373.66%-359.7pp |
| Employer contribution / active EE | $1,156 | $4,106-71.8% | $3,740-69.1% | $4,754-75.7% |
| Participant deferral / active EE | $4,079 | $5,456-25.2% | $4,880-16.4% | $6,712-39.2% |
| Admin fee / account holder | $477 | $7,885-94.0% | $6,735-92.9% | $11,409-95.8% |