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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 | $58,746 | $57,541+2.1% | $95,759-38.7% | $75,177-21.9% |
| Participation rate | 40.0% | 62.5%-22.5pp | 72.3%-32.3pp | 67.2%-27.2pp |
| Annual return | 18.52% | 34.93%-16.4pp | 28.42%-9.9pp | 160.75%-142.2pp |
| Employer contribution / active EE | $1,003 | $1,808-44.5% | $2,836-64.6% | $2,671-62.5% |
| Participant deferral / active EE | $2,359 | $3,074-23.3% | $4,244-44.4% | $4,126-42.8% |
| Admin fee / account holder | $1,068 | $4,099-74.0% | $5,678-81.2% | $5,651-81.1% |