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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 | $75,327 | $77,908-3.3% | $149,696-49.7% | $75,173+0.2% |
| Participation rate | 52.0% | 65.6%-13.6pp | 78.8%-26.8pp | 67.2%-15.2pp |
| Annual return | 15.84% | 31.73%-15.9pp | 134.46%-118.6pp | 160.72%-144.9pp |
| Employer contribution / active EE | $1,490 | $3,138-52.5% | $4,821-69.1% | $2,671-44.2% |
| Participant deferral / active EE | $2,536 | $3,411-25.7% | $5,682-55.4% | $4,126-38.5% |
| Admin fee / account holder | $982 | $5,950-83.5% | $13,212-92.6% | $5,651-82.6% |