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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 | $89,513 | $63,703+40.5% | $93,063-3.8% | $82,448+8.6% |
| Participation rate | 56.9% | 63.8%-6.9pp | 72.1%-15.2pp | 68.1%-11.2pp |
| Annual return | 17.95% | -775.43%+793.4pp | 34.15%-16.2pp | 41.64%-23.7pp |
| Employer contribution / active EE | $1,563 | $1,729-9.6% | $2,476-36.9% | $2,551-38.7% |
| Participant deferral / active EE | $2,688 | $2,919-7.9% | $3,958-32.1% | $4,139-35.1% |
| Admin fee / account holder | $5,534 | $5,982-7.5% | $6,033-8.3% | $7,234-23.5% |