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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 | $78,230 | $80,674-3.0% | $119,126-34.3% | $64,340+21.6% |
| Participation rate | 44.6% | 55.2%-10.7pp | 75.8%-31.2pp | 55.2%-10.7pp |
| Annual return | 17.87% | 26.86%-9.0pp | 282.11%-264.2pp | 24.14%-6.3pp |
| Employer contribution / active EE | $2,068 | $2,564-19.4% | $4,034-48.7% | $1,862+11.1% |
| Participant deferral / active EE | $4,142 | $3,053+35.6% | $5,318-22.1% | $2,980+39.0% |
| Admin fee / account holder | $4,652 | $4,559+2.0% | $10,693-56.5% | $3,703+25.6% |