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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 | $73,107+22.4% | $114,563-21.9% | $87,485+2.3% |
| Participation rate | 56.9% | 65.8%-8.9pp | 72.9%-16.0pp | 68.9%-12.0pp |
| Annual return | 17.95% | 19.47%-1.5pp | 241.09%-223.1pp | 26.06%-8.1pp |
| Employer contribution / active EE | $1,563 | $1,881-16.9% | $2,592-39.7% | $2,596-39.8% |
| Participant deferral / active EE | $2,688 | $3,144-14.5% | $4,142-35.1% | $4,274-37.1% |
| Admin fee / account holder | $5,534 | $5,770-4.1% | $7,623-27.4% | $7,775-28.8% |