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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 | $129,528 | $84,953+52.5% | $163,379-20.7% | $82,637+56.7% |
| Participation rate | 57.1% | 65.9%-8.8pp | 76.8%-19.7pp | 68.1%-10.9pp |
| Annual return | 17.00% | 23.07%-6.1pp | 63.41%-46.4pp | 53.51%-36.5pp |
| Employer contribution / active EE | $2,558 | $2,183+17.2% | $3,752-31.8% | $2,552+0.2% |
| Participant deferral / active EE | $5,585 | $4,326+29.1% | $6,282-11.1% | $4,126+35.4% |
| Admin fee / account holder | $2,016 | $7,921-74.5% | $9,818-79.5% | $7,339-72.5% |