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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 | $88,672-3.3% | $105,223-18.5% | $82,448+4.1% |
| Participation rate | 51.4% | 67.9%-16.6pp | 75.0%-23.7pp | 68.1%-16.7pp |
| Annual return | 20.81% | 30.86%-10.0pp | 180.65%-159.8pp | 41.64%-20.8pp |
| Employer contribution / active EE | $2,540 | $3,048-16.7% | $3,689-31.1% | $2,551-0.4% |
| Participant deferral / active EE | $4,429 | $4,036+9.7% | $5,072-12.7% | $4,139+7.0% |
| Admin fee / account holder | $1,300 | $7,146-81.8% | $8,859-85.3% | $7,234-82.0% |