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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 | $80,145 | $73,988+8.3% | $96,538-17.0% | $75,177+6.6% |
| Participation rate | 40.9% | 66.4%-25.5pp | 74.3%-33.4pp | 67.2%-26.3pp |
| Annual return | 20.04% | 26.73%-6.7pp | 35.74%-15.7pp | 160.75%-140.7pp |
| Employer contribution / active EE | $1,500 | $2,930-48.8% | $3,740-59.9% | $2,671-43.8% |
| Participant deferral / active EE | $4,807 | $3,660+31.3% | $4,880-1.5% | $4,126+16.5% |
| Admin fee / account holder | $5,248 | $5,220+0.6% | $6,737-22.1% | $5,651-7.1% |