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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 | $77,667 | $76,407+1.6% | $150,298-48.3% | $82,448-5.8% |
| Participation rate | 50.9% | 66.4%-15.5pp | 77.8%-26.9pp | 68.1%-17.2pp |
| Annual return | 17.55% | 39.99%-22.4pp | 62.79%-45.2pp | 41.64%-24.1pp |
| Employer contribution / active EE | $1,890 | $2,614-27.7% | $4,154-54.5% | $2,551-25.9% |
| Participant deferral / active EE | $3,625 | $3,214+12.8% | $5,453-33.5% | $4,139-12.4% |
| Admin fee / account holder | $2,582 | $6,352-59.4% | $14,116-81.7% | $7,234-64.3% |