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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 | $76,141 | $79,184-3.8% | $102,438-25.7% | $74,546+2.1% |
| Participation rate | 44.2% | 74.8%-30.6pp | 76.5%-32.3pp | 67.2%-23.0pp |
| Annual return | 17.71% | 54.95%-37.2pp | 29.37%-11.7pp | 1366.03%-1348.3pp |
| Employer contribution / active EE | $2,147 | $2,362-9.1% | $3,024-29.0% | $2,624-18.2% |
| Participant deferral / active EE | $4,354 | $4,414-1.4% | $5,054-13.8% | $4,347+0.2% |
| Admin fee / account holder | $442 | $2,001-77.9% | $9,448-95.3% | $1,944-77.2% |