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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 | $91,986 | $81,233+13.2% | $155,567-40.9% | $80,874+13.7% |
| Participation rate | 51.4% | 66.2%-14.9pp | 78.2%-26.8pp | 67.6%-16.3pp |
| Annual return | 13.39% | 33.33%-19.9pp | 64.74%-51.3pp | 35.62%-22.2pp |
| Employer contribution / active EE | $1,820 | $3,101-41.3% | $4,674-61.1% | $2,756-33.9% |
| Participant deferral / active EE | $3,245 | $3,452-6.0% | $5,628-42.3% | $4,297-24.5% |
| Admin fee / account holder | $2,172 | $7,998-72.8% | $15,916-86.4% | $6,935-68.7% |