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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 | $89,778 | $99,875-10.1% | $146,866-38.9% | $86,983+3.2% |
| Participation rate | 55.3% | 75.8%-20.5pp | 82.5%-27.2pp | 69.5%-14.3pp |
| Annual return | 30.88% | 28.10%+2.8pp | 102.85%-72.0pp | 25.83%+5.0pp |
| Employer contribution / active EE | $2,042 | $3,224-36.7% | $4,425-53.8% | $2,584-21.0% |
| Participant deferral / active EE | $3,832 | $6,322-39.4% | $7,759-50.6% | $4,194-8.6% |
| Admin fee / account holder | $4,217 | $7,838-46.2% | $13,620-69.0% | $7,856-46.3% |