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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 | $109,557 | $78,690+39.2% | $161,489-32.2% | $87,485+25.2% |
| Participation rate | 46.4% | 67.5%-21.0pp | 78.7%-32.3pp | 68.9%-22.5pp |
| Annual return | 18.27% | 32.74%-14.5pp | 89.72%-71.5pp | 26.06%-7.8pp |
| Employer contribution / active EE | $1,816 | $2,588-29.8% | $4,268-57.4% | $2,596-30.0% |
| Participant deferral / active EE | $3,345 | $3,311+1.0% | $5,630-40.6% | $4,274-21.7% |
| Admin fee / account holder | $8,773 | $6,724+30.5% | $16,006-45.2% | $7,775+12.8% |