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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 | $52,481 | $84,236-37.7% | $170,435-69.2% | $70,126-25.2% |
| Participation rate | 62.7% | 70.8%-8.2pp | 83.6%-20.9pp | 69.5%-6.9pp |
| Annual return | 20.59% | 23.06%-2.5pp | 205.94%-185.3pp | 73.15%-52.6pp |
| Employer contribution / active EE | $1,315 | $3,387-61.2% | $5,432-75.8% | $2,343-43.9% |
| Participant deferral / active EE | $2,230 | $3,086-27.7% | $4,939-54.9% | $3,332-33.1% |
| Admin fee / account holder | $7,588 | $5,698+33.2% | $13,881-45.3% | $4,645+63.3% |