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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 | $118,279 | $165,939-28.7% | $122,354-3.3% | $147,586-19.9% |
| Participation rate | 68.8% | 79.6%-10.8pp | 71.6%-2.9pp | 82.8%-14.1pp |
| Annual return | 15.12% | 34.56%-19.4pp | 30.28%-15.2pp | 578.59%-563.5pp |
| Employer contribution / active EE | $1,368 | $5,754-76.2% | $4,051-66.2% | $4,876-71.9% |
| Participant deferral / active EE | $2,105 | $4,005-47.4% | $3,287-36.0% | $5,439-61.3% |
| Admin fee / account holder | $1,431 | $7,425-80.7% | $5,479-73.9% | $10,886-86.9% |