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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 | $83,843-6.7% | $123,973-36.9% | $65,306+19.8% |
| Participation rate | 44.6% | 56.0%-11.4pp | 76.7%-32.1pp | 57.7%-13.1pp |
| Annual return | 17.87% | 19.87%-2.0pp | 388.13%-370.3pp | 21.94%-4.1pp |
| Employer contribution / active EE | $2,068 | $2,873-28.0% | $4,126-49.9% | $1,967+5.1% |
| Participant deferral / active EE | $4,142 | $2,997+38.2% | $5,247-21.1% | $2,959+40.0% |
| Admin fee / account holder | $4,652 | $4,735-1.8% | $11,799-60.6% | $3,480+33.7% |