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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 | $84,284 | $88,672-4.9% | $105,223-19.9% | $82,448+2.2% |
| Participation rate | 49.2% | 67.9%-18.7pp | 75.0%-25.8pp | 68.1%-18.8pp |
| Annual return | 16.21% | 30.86%-14.6pp | 180.65%-164.4pp | 41.64%-25.4pp |
| Employer contribution / active EE | $1,799 | $3,048-41.0% | $3,689-51.2% | $2,551-29.5% |
| Participant deferral / active EE | $3,114 | $4,036-22.8% | $5,072-38.6% | $4,139-24.8% |
| Admin fee / account holder | $2,789 | $7,146-61.0% | $8,859-68.5% | $7,234-61.4% |