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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 | $77,610 | $73,955+4.9% | $96,520-19.6% | $75,181+3.2% |
| Participation rate | 50.0% | 66.4%-16.4pp | 74.3%-24.3pp | 67.2%-17.2pp |
| Annual return | 18.27% | 26.72%-8.5pp | 35.72%-17.5pp | 160.69%-142.4pp |
| Employer contribution / active EE | $2,044 | $2,930-30.3% | $3,739-45.3% | $2,671-23.5% |
| Participant deferral / active EE | $5,723 | $3,659+56.4% | $4,879+17.3% | $4,126+38.7% |
| Admin fee / account holder | $3,163 | $5,217-39.4% | $6,733-53.0% | $5,650-44.0% |