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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 | $50,603 | $78,423-35.5% | $95,964-47.3% | $79,856-36.6% |
| Participation rate | 54.0% | 73.5%-19.5pp | 77.1%-23.1pp | 69.6%-15.6pp |
| Annual return | 22.11% | 19.37%+2.7pp | 91.64%-69.5pp | 31.71%-9.6pp |
| Employer contribution / active EE | $1,671 | $1,945-14.1% | $2,541-34.2% | $2,471-32.4% |
| Participant deferral / active EE | $3,383 | $3,440-1.7% | $4,167-18.8% | $3,741-9.6% |
| Admin fee / account holder | $3,136 | $5,622-44.2% | $6,797-53.9% | $5,306-40.9% |