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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 | $67,802 | $88,672-23.5% | $105,223-35.6% | $82,448-17.8% |
| Participation rate | 57.5% | 67.9%-10.4pp | 75.0%-17.5pp | 68.1%-10.6pp |
| Annual return | 17.56% | 30.86%-13.3pp | 180.65%-163.1pp | 41.64%-24.1pp |
| Employer contribution / active EE | $1,685 | $3,048-44.7% | $3,689-54.3% | $2,551-33.9% |
| Participant deferral / active EE | $2,222 | $4,036-45.0% | $5,072-56.2% | $4,139-46.3% |
| Admin fee / account holder | $3,114 | $7,146-56.4% | $8,859-64.9% | $7,234-57.0% |