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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 | $85,402 | $88,186-3.2% | $165,071-48.3% | $74,459+14.7% |
| Participation rate | 61.4% | 73.1%-11.7pp | 78.6%-17.2pp | 67.2%-5.8pp |
| Annual return | 12.26% | 17.13%-4.9pp | 70.17%-57.9pp | 1369.70%-1357.4pp |
| Employer contribution / active EE | $1,960 | $2,600-24.6% | $4,347-54.9% | $2,626-25.4% |
| Participant deferral / active EE | $4,004 | $4,505-11.1% | $6,035-33.7% | $4,350-7.9% |
| Admin fee / account holder | $4,273 | $2,234+91.2% | $12,695-66.3% | $1,945+119.7% |