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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 | $66,893 | $86,298-22.5% | $111,308-39.9% | $85,847-22.1% |
| Participation rate | 53.1% | 73.3%-20.2pp | 77.3%-24.2pp | 69.3%-16.2pp |
| Annual return | 15.13% | 19.99%-4.9pp | 54.67%-39.5pp | 318.61%-303.5pp |
| Employer contribution / active EE | $1,662 | $2,044-18.7% | $2,732-39.1% | $2,565-35.2% |
| Participant deferral / active EE | $3,631 | $3,641-0.3% | $4,487-19.1% | $3,952-8.1% |
| Admin fee / account holder | $2,561 | $8,189-68.7% | $7,965-67.8% | $6,261-59.1% |