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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 | $81,961 | $95,580-14.2% | $76,872+6.6% | $139,466-41.2% |
| Participation rate | 52.4% | 74.0%-21.6pp | 69.6%-17.2pp | 80.3%-28.0pp |
| Annual return | 26.95% | 55.00%-28.0pp | 37.90%-11.0pp | 373.66%-346.7pp |
| Employer contribution / active EE | $3,750 | $3,145+19.2% | $2,533+48.0% | $4,754-21.1% |
| Participant deferral / active EE | $3,949 | $4,623-14.6% | $3,832+3.1% | $6,712-41.2% |
| Admin fee / account holder | $4,622 | $8,302-44.3% | $5,476-15.6% | $11,409-59.5% |