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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 | $52,100 | $56,134-7.2% | $96,171-45.8% | $85,847-39.3% |
| Participation rate | 43.6% | 56.7%-13.1pp | 68.4%-24.8pp | 69.3%-25.7pp |
| Annual return | 17.86% | 42.30%-24.4pp | 192.04%-174.2pp | 318.61%-300.7pp |
| Employer contribution / active EE | $1,663 | $1,620+2.7% | $2,799-40.6% | $2,565-35.2% |
| Participant deferral / active EE | $4,774 | $2,858+67.1% | $4,350+9.7% | $3,952+20.8% |
| Admin fee / account holder | $5,444 | $3,769+44.5% | $5,538-1.7% | $6,261-13.0% |