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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 | $76,489 | $85,060-10.1% | $70,548+8.4% | $139,456-45.2% |
| Participation rate | 57.1% | 73.9%-16.8pp | 68.3%-11.2pp | 80.3%-23.2pp |
| Annual return | 19.53% | 30.38%-10.9pp | 32.78%-13.2pp | 373.45%-353.9pp |
| Employer contribution / active EE | $1,626 | $3,911-58.4% | $2,975-45.3% | $4,753-65.8% |
| Participant deferral / active EE | $5,448 | $5,890-7.5% | $4,567+19.3% | $6,711-18.8% |
| Admin fee / account holder | $1,488 | $8,925-83.3% | $6,424-76.8% | $11,407-87.0% |