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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 | $78,267 | $68,852+13.7% | $120,524-35.1% | $80,925-3.3% |
| Participation rate | 46.8% | 61.6%-14.8pp | 71.9%-25.1pp | 67.7%-20.8pp |
| Annual return | 13.19% | 23.67%-10.5pp | 107.36%-94.2pp | 35.65%-22.5pp |
| Employer contribution / active EE | $1,384 | $2,063-32.9% | $3,469-60.1% | $2,756-49.8% |
| Participant deferral / active EE | $1,982 | $3,187-37.8% | $4,994-60.3% | $4,299-53.9% |
| Admin fee / account holder | $3,871 | $5,781-33.0% | $9,440-59.0% | $6,940-44.2% |