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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 | $79,541 | $77,908+2.1% | $149,696-46.9% | $75,173+5.8% |
| Participation rate | 57.1% | 65.6%-8.4pp | 78.8%-21.6pp | 67.2%-10.1pp |
| Annual return | 16.29% | 31.73%-15.4pp | 134.46%-118.2pp | 160.72%-144.4pp |
| Employer contribution / active EE | $1,928 | $3,138-38.6% | $4,821-60.0% | $2,671-27.8% |
| Participant deferral / active EE | $4,118 | $3,411+20.7% | $5,682-27.5% | $4,126-0.2% |
| Admin fee / account holder | $969 | $5,950-83.7% | $13,212-92.7% | $5,651-82.8% |