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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 | $87,813 | $99,994-12.2% | $146,643-40.1% | $85,847+2.3% |
| Participation rate | 67.2% | 73.1%-5.9pp | 80.1%-12.9pp | 69.3%-2.1pp |
| Annual return | 18.71% | 18.93%-0.2pp | 22.75%-4.0pp | 318.61%-299.9pp |
| Employer contribution / active EE | $2,032 | $2,559-20.6% | $4,137-50.9% | $2,565-20.8% |
| Participant deferral / active EE | $3,230 | $4,006-19.4% | $5,506-41.3% | $3,952-18.3% |
| Admin fee / account holder | $1,861 | $7,703-75.8% | $10,280-81.9% | $6,261-70.3% |