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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 | $63,692 | $84,236-24.4% | $170,435-62.6% | $70,126-9.2% |
| Participation rate | 43.1% | 70.8%-27.7pp | 83.6%-40.5pp | 69.5%-26.4pp |
| Annual return | 18.63% | 23.06%-4.4pp | 205.94%-187.3pp | 73.15%-54.5pp |
| Employer contribution / active EE | $1,181 | $3,387-65.1% | $5,432-78.3% | $2,343-49.6% |
| Participant deferral / active EE | $1,765 | $3,086-42.8% | $4,939-64.3% | $3,332-47.0% |
| Admin fee / account holder | $1,415 | $5,698-75.2% | $13,881-89.8% | $4,645-69.6% |