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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 | $71,834 | $88,672-19.0% | $105,223-31.7% | $82,448-12.9% |
| Participation rate | 40.0% | 67.9%-27.9pp | 75.0%-35.0pp | 68.1%-28.1pp |
| Annual return | 17.48% | 30.86%-13.4pp | 180.65%-163.2pp | 41.64%-24.2pp |
| Employer contribution / active EE | $2,006 | $3,048-34.2% | $3,689-45.6% | $2,551-21.4% |
| Participant deferral / active EE | $3,744 | $4,036-7.2% | $5,072-26.2% | $4,139-9.5% |
| Admin fee / account holder | $8,011 | $7,146+12.1% | $8,859-9.6% | $7,234+10.7% |