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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 | $83,678 | $91,179-8.2% | $178,499-53.1% | $79,852+4.8% |
| Participation rate | 66.7% | 69.2%-2.5pp | 81.9%-15.3pp | 69.6%-3.0pp |
| Annual return | 16.69% | 24.19%-7.5pp | 151.10%-134.4pp | 31.72%-15.0pp |
| Employer contribution / active EE | $1,445 | $3,256-55.6% | $5,011-71.2% | $2,471-41.5% |
| Participant deferral / active EE | $2,557 | $3,236-21.0% | $5,202-50.8% | $3,740-31.6% |
| Admin fee / account holder | $1,096 | $6,749-83.8% | $13,986-92.2% | $5,306-79.4% |