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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 | $50,953 | $77,908-34.6% | $149,696-66.0% | $75,173-32.2% |
| Participation rate | 69.4% | 65.6%+3.9pp | 78.8%-9.3pp | 67.2%+2.2pp |
| Annual return | 21.77% | 31.73%-10.0pp | 134.46%-112.7pp | 160.72%-138.9pp |
| Employer contribution / active EE | $1,014 | $3,138-67.7% | $4,821-79.0% | $2,671-62.0% |
| Participant deferral / active EE | $6,070 | $3,411+77.9% | $5,682+6.8% | $4,126+47.1% |
| Admin fee / account holder | $5,359 | $5,950-9.9% | $13,212-59.4% | $5,651-5.2% |