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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 | $68,930 | $117,904-41.5% | $102,457-32.7% | $145,978-52.8% |
| Participation rate | 45.8% | 78.6%-32.8pp | 76.5%-30.7pp | 80.3%-34.5pp |
| Annual return | 17.91% | 31.80%-13.9pp | 29.41%-11.5pp | 550.52%-532.6pp |
| Employer contribution / active EE | $1,572 | $3,613-56.5% | $3,022-48.0% | $4,662-66.3% |
| Participant deferral / active EE | $3,763 | $5,733-34.4% | $5,054-25.5% | $6,690-43.7% |
| Admin fee / account holder | $14,159 | $13,329+6.2% | $9,451+49.8% | $13,400+5.7% |