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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 | $51,968 | $88,672-41.4% | $105,223-50.6% | $82,448-37.0% |
| Participation rate | 58.1% | 67.9%-9.9pp | 75.0%-17.0pp | 68.1%-10.0pp |
| Annual return | 16.59% | 30.86%-14.3pp | 180.65%-164.1pp | 41.64%-25.1pp |
| Employer contribution / active EE | $2,203 | $3,048-27.7% | $3,689-40.3% | $2,551-13.7% |
| Participant deferral / active EE | $4,935 | $4,036+22.3% | $5,072-2.7% | $4,139+19.2% |
| Admin fee / account holder | $7,413 | $7,146+3.7% | $8,859-16.3% | $7,234+2.5% |