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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 | $73,259 | $73,955-0.9% | $96,520-24.1% | $75,181-2.6% |
| Participation rate | 57.3% | 66.4%-9.1pp | 74.3%-17.0pp | 67.2%-9.9pp |
| Annual return | 20.27% | 26.72%-6.4pp | 35.72%-15.4pp | 160.69%-140.4pp |
| Employer contribution / active EE | $2,111 | $2,930-27.9% | $3,739-43.5% | $2,671-20.9% |
| Participant deferral / active EE | $4,496 | $3,659+22.9% | $4,879-7.8% | $4,126+9.0% |
| Admin fee / account holder | $1,062 | $5,217-79.7% | $6,733-84.2% | $5,650-81.2% |