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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 | $80,685 | $88,672-9.0% | $105,223-23.3% | $82,448-2.1% |
| Participation rate | 62.5% | 67.9%-5.4pp | 75.0%-12.5pp | 68.1%-5.6pp |
| Annual return | 13.13% | 30.86%-17.7pp | 180.65%-167.5pp | 41.64%-28.5pp |
| Employer contribution / active EE | $3,583 | $3,048+17.5% | $3,689-2.9% | $2,551+40.4% |
| Participant deferral / active EE | $2,432 | $4,036-39.7% | $5,072-52.0% | $4,139-41.2% |
| Admin fee / account holder | $4,304 | $7,146-39.8% | $8,859-51.4% | $7,234-40.5% |