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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 | $72,963 | $88,360-17.4% | $145,433-49.8% | $67,986+7.3% |
| Participation rate | 41.6% | 65.5%-23.9pp | 82.1%-40.5pp | 57.2%-15.6pp |
| Annual return | 18.36% | 63.15%-44.8pp | 66.58%-48.2pp | 31.67%-13.3pp |
| Employer contribution / active EE | $1,388 | $3,054-54.6% | $4,554-69.5% | $2,019-31.3% |
| Participant deferral / active EE | $3,216 | $5,932-45.8% | $7,897-59.3% | $3,358-4.2% |
| Admin fee / account holder | $5,021 | $3,313+51.6% | $13,129-61.8% | $3,203+56.8% |