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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 | $77,035 | $80,983-4.9% | $96,544-20.2% | $75,177+2.5% |
| Participation rate | 52.4% | 71.8%-19.4pp | 76.0%-23.6pp | 67.2%-14.8pp |
| Annual return | 14.50% | 27.05%-12.5pp | 25.88%-11.4pp | 160.75%-146.2pp |
| Employer contribution / active EE | $1,415 | $2,282-38.0% | $2,966-52.3% | $2,671-47.0% |
| Participant deferral / active EE | $3,011 | $3,929-23.4% | $4,851-37.9% | $4,126-27.0% |
| Admin fee / account holder | $5,501 | $6,717-18.1% | $8,254-33.4% | $5,651-2.7% |