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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 | $68,033 | $93,598-27.3% | $135,974-50.0% | $75,173-9.5% |
| Participation rate | 51.9% | 75.2%-23.3pp | 81.9%-30.1pp | 67.2%-15.4pp |
| Annual return | 21.65% | 30.89%-9.2pp | 68.30%-46.7pp | 160.72%-139.1pp |
| Employer contribution / active EE | $1,665 | $3,538-52.9% | $4,859-65.7% | $2,671-37.7% |
| Participant deferral / active EE | $4,502 | $6,405-29.7% | $7,760-42.0% | $4,126+9.1% |
| Admin fee / account holder | $3,973 | $6,978-43.1% | $10,767-63.1% | $5,651-29.7% |