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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 | $81,480 | $80,985+0.6% | $96,576-15.6% | $75,181+8.4% |
| Participation rate | 43.2% | 71.8%-28.5pp | 76.0%-32.7pp | 67.2%-24.0pp |
| Annual return | 48.67% | 27.05%+21.6pp | 25.87%+22.8pp | 160.69%-112.0pp |
| Employer contribution / active EE | $1,407 | $2,282-38.4% | $2,965-52.5% | $2,671-47.3% |
| Participant deferral / active EE | $2,565 | $3,929-34.7% | $4,851-47.1% | $4,126-37.8% |
| Admin fee / account holder | $7,717 | $6,719+14.9% | $8,253-6.5% | $5,650+36.6% |