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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 | $106,708 | $77,901+37.0% | $149,717-28.7% | $75,181+41.9% |
| Participation rate | 46.8% | 65.6%-18.8pp | 78.8%-32.0pp | 67.2%-20.4pp |
| Annual return | 15.76% | 31.73%-16.0pp | 134.41%-118.6pp | 160.69%-144.9pp |
| Employer contribution / active EE | $2,022 | $3,137-35.6% | $4,820-58.0% | $2,671-24.3% |
| Participant deferral / active EE | $3,232 | $3,411-5.2% | $5,682-43.1% | $4,126-21.7% |
| Admin fee / account holder | $9,087 | $5,949+52.8% | $13,213-31.2% | $5,650+60.8% |