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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 | $62,581 | $93,589-33.1% | $135,942-54.0% | $75,181-16.8% |
| Participation rate | 54.0% | 75.2%-21.2pp | 81.9%-27.9pp | 67.2%-13.2pp |
| Annual return | 15.26% | 30.90%-15.6pp | 68.28%-53.0pp | 160.69%-145.4pp |
| Employer contribution / active EE | $1,571 | $3,537-55.6% | $4,858-67.7% | $2,671-41.2% |
| Participant deferral / active EE | $5,057 | $6,405-21.0% | $7,759-34.8% | $4,126+22.6% |
| Admin fee / account holder | $7,906 | $6,977+13.3% | $10,764-26.6% | $5,650+39.9% |