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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 | $75,807+18.1% | $116,096-22.9% | $86,983+2.9% |
| Participation rate | 56.9% | 66.9%-10.0pp | 73.3%-16.4pp | 69.5%-12.6pp |
| Annual return | 17.95% | 18.57%-0.6pp | 326.25%-308.3pp | 25.83%-7.9pp |
| Employer contribution / active EE | $1,563 | $1,892-17.4% | $2,503-37.6% | $2,584-39.5% |
| Participant deferral / active EE | $2,688 | $3,212-16.3% | $3,952-32.0% | $4,194-35.9% |
| Admin fee / account holder | $5,534 | $6,659-16.9% | $7,704-28.2% | $7,856-29.6% |