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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 | $56,032 | $80,781-30.6% | $102,437-45.3% | $74,478-24.8% |
| Participation rate | 42.2% | 65.7%-23.4pp | 74.5%-32.3pp | 67.2%-25.0pp |
| Annual return | 15.82% | 27.58%-11.8pp | 24.95%-9.1pp | 1370.56%-1354.7pp |
| Employer contribution / active EE | $2,400 | $3,160-24.0% | $3,871-38.0% | $2,626-8.6% |
| Participant deferral / active EE | $3,768 | $3,862-2.4% | $5,060-25.5% | $4,350-13.4% |
| Admin fee / account holder | $5,259 | $2,372+121.7% | $8,388-37.3% | $1,946+170.3% |