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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 | $80,988 | $70,917+14.2% | $98,920-18.1% | $73,493+10.2% |
| Participation rate | 43.6% | 73.8%-30.2pp | 76.0%-32.4pp | 70.7%-27.1pp |
| Annual return | 16.19% | 34.18%-18.0pp | 196.47%-180.3pp | 28.51%-12.3pp |
| Employer contribution / active EE | $1,195 | $2,037-41.3% | $2,689-55.5% | $2,270-47.3% |
| Participant deferral / active EE | $1,980 | $3,501-43.4% | $4,245-53.4% | $3,740-47.1% |
| Admin fee / account holder | $2,794 | $535+422.4% | $6,643-57.9% | $513+444.6% |