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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 | $78,935 | $75,541+4.5% | $152,093-48.1% | $82,637-4.5% |
| Participation rate | 45.7% | 66.5%-20.9pp | 77.8%-32.1pp | 68.1%-22.4pp |
| Annual return | 18.78% | 32.56%-13.8pp | 66.36%-47.6pp | 53.51%-34.7pp |
| Employer contribution / active EE | $2,221 | $2,622-15.3% | $4,175-46.8% | $2,552-13.0% |
| Participant deferral / active EE | $5,547 | $3,206+73.0% | $5,451+1.7% | $4,126+34.4% |
| Admin fee / account holder | $790 | $6,405-87.7% | $14,497-94.5% | $7,339-89.2% |