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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 | $96,628 | $127,298-24.1% | $109,916-12.1% | $167,553-42.3% |
| Participation rate | 66.7% | 77.9%-11.2pp | 74.2%-7.6pp | 82.1%-15.4pp |
| Annual return | 18.60% | 22.97%-4.4pp | 29.46%-10.9pp | 478.89%-460.3pp |
| Employer contribution / active EE | $2,476 | $3,325-25.5% | $2,844-12.9% | $4,840-48.8% |
| Participant deferral / active EE | $4,140 | $4,513-8.3% | $4,047+2.3% | $6,343-34.7% |
| Admin fee / account holder | $5,708 | $7,119-19.8% | $6,069-6.0% | $12,316-53.7% |