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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 | $42,212 | $51,638-18.3% | $68,368-38.3% | $82,448-48.8% |
| Participation rate | 52.0% | 63.6%-11.6pp | 73.8%-21.8pp | 68.1%-16.1pp |
| Annual return | 24.23% | 37.53%-13.3pp | 292.57%-268.3pp | 41.64%-17.4pp |
| Employer contribution / active EE | $2,019 | $2,047-1.3% | $2,649-23.8% | $2,551-20.9% |
| Participant deferral / active EE | $2,618 | $2,914-10.1% | $4,123-36.5% | $4,139-36.7% |
| Admin fee / account holder | $4,129 | $4,643-11.1% | $5,150-19.8% | $7,234-42.9% |