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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 | $55,165 | $49,976+10.4% | $66,674-17.3% | $82,637-33.2% |
| Participation rate | 35.6% | 63.1%-27.5pp | 73.7%-38.0pp | 68.1%-32.4pp |
| Annual return | 14.42% | 39.09%-24.7pp | 321.24%-306.8pp | 53.51%-39.1pp |
| Employer contribution / active EE | $1,626 | $1,988-18.2% | $2,620-38.0% | $2,552-36.3% |
| Participant deferral / active EE | $1,925 | $2,847-32.4% | $4,084-52.9% | $4,126-53.3% |
| Admin fee / account holder | $7,889 | $4,594+71.8% | $5,098+54.8% | $7,339+7.5% |