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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 | $50,726 | $84,236-39.8% | $170,439-70.2% | $70,124-27.7% |
| Participation rate | 68.6% | 70.8%-2.3pp | 83.6%-15.0pp | 69.5%-1.0pp |
| Annual return | 15.41% | 23.06%-7.7pp | 205.94%-190.5pp | 73.14%-57.7pp |
| Employer contribution / active EE | $1,064 | $3,387-68.6% | $5,433-80.4% | $2,342-54.6% |
| Participant deferral / active EE | $3,124 | $3,086+1.2% | $4,939-36.8% | $3,332-6.2% |
| Admin fee / account holder | $1,310 | $5,698-77.0% | $13,881-90.6% | $4,645-71.8% |