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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 | $79,223-3.9% | $102,460-25.7% | $74,478+2.2% |
| Participation rate | 44.2% | 74.8%-30.6pp | 76.5%-32.3pp | 67.2%-23.1pp |
| Annual return | 17.71% | 54.98%-37.3pp | 29.47%-11.8pp | 1370.56%-1352.9pp |
| Employer contribution / active EE | $2,147 | $2,363-9.1% | $3,025-29.0% | $2,626-18.2% |
| Participant deferral / active EE | $4,354 | $4,417-1.4% | $5,056-13.9% | $4,350+0.1% |
| Admin fee / account holder | $442 | $2,003-77.9% | $9,460-95.3% | $1,946-77.3% |