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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 | $72,172 | $89,259-19.1% | $107,187-32.7% | $82,637-12.7% |
| Participation rate | 45.3% | 67.9%-22.6pp | 75.0%-29.7pp | 68.1%-22.8pp |
| Annual return | 12.89% | 21.02%-8.1pp | 204.55%-191.7pp | 53.51%-40.6pp |
| Employer contribution / active EE | $2,114 | $3,080-31.4% | $3,782-44.1% | $2,552-17.2% |
| Participant deferral / active EE | $3,778 | $4,037-6.4% | $5,096-25.9% | $4,126-8.4% |
| Admin fee / account holder | $2,150 | $7,381-70.9% | $9,162-76.5% | $7,339-70.7% |