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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 | $105,284-18.5% | $150,734-43.1% | $94,015-8.8% |
| Participation rate | 51.4% | 71.7%-20.4pp | 78.4%-27.1pp | 70.8%-19.5pp |
| Annual return | 20.81% | 15.67%+5.1pp | 600.81%-580.0pp | 17.84%+3.0pp |
| Employer contribution / active EE | $2,540 | $3,599-29.4% | $4,918-48.4% | $2,790-9.0% |
| Participant deferral / active EE | $4,429 | $4,274+3.6% | $5,610-21.0% | $4,249+4.2% |
| Admin fee / account holder | $1,300 | $9,839-86.8% | $14,905-91.3% | $8,951-85.5% |