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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 | $75,059 | $77,908-3.7% | $149,696-49.9% | $75,173-0.2% |
| Participation rate | 55.6% | 65.6%-10.0pp | 78.8%-23.2pp | 67.2%-11.6pp |
| Annual return | 16.12% | 31.73%-15.6pp | 134.46%-118.3pp | 160.72%-144.6pp |
| Employer contribution / active EE | $2,283 | $3,138-27.2% | $4,821-52.6% | $2,671-14.5% |
| Participant deferral / active EE | $5,427 | $3,411+59.1% | $5,682-4.5% | $4,126+31.5% |
| Admin fee / account holder | $450 | $5,950-92.4% | $13,212-96.6% | $5,651-92.0% |