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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 | $77,792 | $58,848+32.2% | $88,179-11.8% | $82,637-5.9% |
| Participation rate | 44.6% | 57.9%-13.3pp | 69.1%-24.5pp | 68.1%-23.4pp |
| Annual return | 14.44% | 22.76%-8.3pp | 64.97%-50.5pp | 53.51%-39.1pp |
| Employer contribution / active EE | $1,384 | $1,678-17.5% | $2,549-45.7% | $2,552-45.8% |
| Participant deferral / active EE | $2,696 | $3,124-13.7% | $4,614-41.6% | $4,126-34.7% |
| Admin fee / account holder | $825 | $4,795-82.8% | $7,673-89.2% | $7,339-88.8% |