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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 | $38,691 | $43,496-11.0% | $161,489-76.0% | $64,340-39.9% |
| Participation rate | 68.6% | 53.5%+15.0pp | 78.7%-10.1pp | 55.2%+13.3pp |
| Annual return | 11.83% | 20.76%-8.9pp | 89.72%-77.9pp | 24.14%-12.3pp |
| Employer contribution / active EE | $1,203 | $1,431-15.9% | $4,268-71.8% | $1,862-35.4% |
| Participant deferral / active EE | $3,185 | $1,996+59.6% | $5,630-43.4% | $2,980+6.9% |
| Admin fee / account holder | $2,235 | $2,330-4.1% | $16,006-86.0% | $3,703-39.6% |