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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 | $67,676 | $104,251-35.1% | $91,004-25.6% | $147,585-54.1% |
| Participation rate | 56.3% | 78.2%-22.0pp | 75.6%-19.4pp | 82.8%-26.6pp |
| Annual return | 12.34% | 27.06%-14.7pp | 4.60%+7.7pp | 578.58%-566.2pp |
| Employer contribution / active EE | $1,972 | $3,116-36.7% | $2,456-19.7% | $4,876-59.6% |
| Participant deferral / active EE | $4,278 | $4,195+2.0% | $3,548+20.6% | $5,439-21.3% |
| Admin fee / account holder | $987 | $8,948-89.0% | $5,417-81.8% | $10,886-90.9% |