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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 | $63,674 | $77,908-18.3% | $149,696-57.5% | $75,173-15.3% |
| Participation rate | 62.2% | 65.6%-3.4pp | 78.8%-16.6pp | 67.2%-5.0pp |
| Annual return | 13.50% | 31.73%-18.2pp | 134.46%-121.0pp | 160.72%-147.2pp |
| Employer contribution / active EE | $1,926 | $3,138-38.6% | $4,821-60.1% | $2,671-27.9% |
| Participant deferral / active EE | $4,271 | $3,411+25.2% | $5,682-24.8% | $4,126+3.5% |
| Admin fee / account holder | $4,441 | $5,950-25.4% | $13,212-66.4% | $5,651-21.4% |