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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 | $79,296 | $77,908+1.8% | $149,696-47.0% | $75,173+5.5% |
| Participation rate | 57.9% | 65.6%-7.7pp | 78.8%-20.9pp | 67.2%-9.3pp |
| Annual return | 19.55% | 31.73%-12.2pp | 134.46%-114.9pp | 160.72%-141.2pp |
| Employer contribution / active EE | $2,402 | $3,138-23.4% | $4,821-50.2% | $2,671-10.1% |
| Participant deferral / active EE | $5,869 | $3,411+72.1% | $5,682+3.3% | $4,126+42.2% |
| Admin fee / account holder | $3,128 | $5,950-47.4% | $13,212-76.3% | $5,651-44.6% |