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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 | $85,787 | $93,345-8.1% | $119,126-28.0% | $87,485-1.9% |
| Participation rate | 51.4% | 68.7%-17.4pp | 75.8%-24.4pp | 68.9%-17.6pp |
| Annual return | 20.81% | 19.08%+1.7pp | 282.11%-261.3pp | 26.06%-5.2pp |
| Employer contribution / active EE | $2,540 | $3,172-19.9% | $4,034-37.0% | $2,596-2.2% |
| Participant deferral / active EE | $4,429 | $4,099+8.1% | $5,318-16.7% | $4,274+3.6% |
| Admin fee / account holder | $1,300 | $8,039-83.8% | $10,693-87.8% | $7,775-83.3% |