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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 | $90,000 | $78,690+14.4% | $161,489-44.3% | $87,485+2.9% |
| Participation rate | 60.0% | 67.5%-7.5pp | 78.7%-18.7pp | 68.9%-8.9pp |
| Annual return | 12.60% | 32.74%-20.1pp | 89.72%-77.1pp | 26.06%-13.5pp |
| Employer contribution / active EE | $984 | $2,588-62.0% | $4,268-76.9% | $2,596-62.1% |
| Participant deferral / active EE | $3,442 | $3,311+4.0% | $5,630-38.9% | $4,274-19.5% |
| Admin fee / account holder | $935 | $6,724-86.1% | $16,006-94.2% | $7,775-88.0% |