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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 | $75,516 | $80,781-6.5% | $102,437-26.3% | $74,478+1.4% |
| Participation rate | 31.4% | 65.7%-34.3pp | 74.5%-43.1pp | 67.2%-35.8pp |
| Annual return | 14.86% | 27.58%-12.7pp | 24.95%-10.1pp | 1370.56%-1355.7pp |
| Employer contribution / active EE | $1,457 | $3,160-53.9% | $3,871-62.4% | $2,626-44.5% |
| Participant deferral / active EE | $2,515 | $3,862-34.9% | $5,060-50.3% | $4,350-42.2% |
| Admin fee / account holder | $2,739 | $2,372+15.5% | $8,388-67.3% | $1,946+40.8% |