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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 | $45,740 | $83,843-45.4% | $123,973-63.1% | $65,306-30.0% |
| Participation rate | 34.1% | 56.0%-21.9pp | 76.7%-42.6pp | 57.7%-23.6pp |
| Annual return | 20.52% | 19.87%+0.6pp | 388.13%-367.6pp | 21.94%-1.4pp |
| Employer contribution / active EE | $1,313 | $2,873-54.3% | $4,126-68.2% | $1,967-33.3% |
| Participant deferral / active EE | $2,494 | $2,997-16.8% | $5,247-52.5% | $2,959-15.7% |
| Admin fee / account holder | $2,115 | $4,735-55.3% | $11,799-82.1% | $3,480-39.2% |