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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 | $67,172 | $52,279+28.5% | $89,414-24.9% | $79,852-15.9% |
| Participation rate | 48.4% | 57.5%-9.2pp | 68.0%-19.6pp | 69.6%-21.3pp |
| Annual return | 14.92% | 22.16%-7.2pp | 245.50%-230.6pp | 31.72%-16.8pp |
| Employer contribution / active EE | $1,444 | $1,572-8.1% | $2,586-44.2% | $2,471-41.6% |
| Participant deferral / active EE | $3,525 | $2,740+28.6% | $3,890-9.4% | $3,740-5.8% |
| Admin fee / account holder | $1,001 | $3,356-70.2% | $4,883-79.5% | $5,306-81.1% |