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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 | $77,275 | $88,672-12.9% | $105,223-26.6% | $82,448-6.3% |
| Participation rate | 49.3% | 67.9%-18.7pp | 75.0%-25.8pp | 68.1%-18.8pp |
| Annual return | 14.35% | 30.86%-16.5pp | 180.65%-166.3pp | 41.64%-27.3pp |
| Employer contribution / active EE | $1,684 | $3,048-44.8% | $3,689-54.3% | $2,551-34.0% |
| Participant deferral / active EE | $3,431 | $4,036-15.0% | $5,072-32.3% | $4,139-17.1% |
| Admin fee / account holder | $3,437 | $7,146-51.9% | $8,859-61.2% | $7,234-52.5% |