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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 | $79,055 | $98,766-20.0% | $149,730-47.2% | $79,852-1.0% |
| Participation rate | 67.5% | 75.8%-8.3pp | 82.5%-15.0pp | 69.6%-2.1pp |
| Annual return | 17.13% | 27.43%-10.3pp | 276.70%-259.6pp | 31.72%-14.6pp |
| Employer contribution / active EE | $2,500 | $3,217-22.3% | $4,645-46.2% | $2,471+1.2% |
| Participant deferral / active EE | $6,887 | $5,681+21.2% | $6,843+0.6% | $3,740+84.1% |
| Admin fee / account holder | $361 | $6,052-94.0% | $9,310-96.1% | $5,306-93.2% |