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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 | $73,113 | $88,672-17.5% | $105,223-30.5% | $82,448-11.3% |
| Participation rate | 68.3% | 67.9%+0.4pp | 75.0%-6.7pp | 68.1%+0.3pp |
| Annual return | 17.94% | 30.86%-12.9pp | 180.65%-162.7pp | 41.64%-23.7pp |
| Employer contribution / active EE | $2,440 | $3,048-20.0% | $3,689-33.9% | $2,551-4.4% |
| Participant deferral / active EE | $4,470 | $4,036+10.7% | $5,072-11.9% | $4,139+8.0% |
| Admin fee / account holder | $4,337 | $7,146-39.3% | $8,859-51.0% | $7,234-40.1% |