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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 | $81,331 | $78,690+3.4% | $161,489-49.6% | $87,485-7.0% |
| Participation rate | 54.9% | 67.5%-12.6pp | 78.7%-23.8pp | 68.9%-14.0pp |
| Annual return | 20.85% | 32.74%-11.9pp | 89.72%-68.9pp | 26.06%-5.2pp |
| Employer contribution / active EE | $4,215 | $2,588+62.9% | $4,268-1.2% | $2,596+62.4% |
| Participant deferral / active EE | $4,628 | $3,311+39.8% | $5,630-17.8% | $4,274+8.3% |
| Admin fee / account holder | $860 | $6,724-87.2% | $16,006-94.6% | $7,775-88.9% |