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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 | $93,385 | $89,259+4.6% | $107,187-12.9% | $82,637+13.0% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 26.64% | 21.02%+5.6pp | 204.55%-177.9pp | 53.51%-26.9pp |
| Employer contribution / active EE | $1,232 | $3,080-60.0% | $3,782-67.4% | $2,552-51.7% |
| Participant deferral / active EE | $2,807 | $4,037-30.5% | $5,096-44.9% | $4,126-32.0% |
| Admin fee / account holder | $2,143 | $7,381-71.0% | $9,162-76.6% | $7,339-70.8% |