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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 | $64,919 | $88,672-26.8% | $105,223-38.3% | $82,448-21.3% |
| Participation rate | 69.2% | 67.9%+1.3pp | 75.0%-5.8pp | 68.1%+1.2pp |
| Annual return | 14.84% | 30.86%-16.0pp | 180.65%-165.8pp | 41.64%-26.8pp |
| Employer contribution / active EE | $1,097 | $3,048-64.0% | $3,689-70.3% | $2,551-57.0% |
| Participant deferral / active EE | $2,126 | $4,036-47.3% | $5,072-58.1% | $4,139-48.6% |
| Admin fee / account holder | $1,533 | $7,146-78.6% | $8,859-82.7% | $7,234-78.8% |