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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 | $96,622 | $68,573+40.9% | $120,368-19.7% | $80,874+19.5% |
| Participation rate | 50.0% | 61.6%-11.6pp | 71.9%-21.9pp | 67.6%-17.6pp |
| Annual return | 11.68% | 23.61%-11.9pp | 107.26%-95.6pp | 35.62%-23.9pp |
| Employer contribution / active EE | $1,435 | $2,052-30.1% | $3,465-58.6% | $2,756-47.9% |
| Participant deferral / active EE | $2,418 | $3,174-23.8% | $4,991-51.6% | $4,297-43.7% |
| Admin fee / account holder | $19,730 | $5,734+244.1% | $9,429+109.2% | $6,935+184.5% |