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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 | $77,968 | $84,236-7.4% | $170,435-54.3% | $70,126+11.2% |
| Participation rate | 47.9% | 70.8%-22.9pp | 83.6%-35.7pp | 69.5%-21.6pp |
| Annual return | 16.07% | 23.06%-7.0pp | 205.94%-189.9pp | 73.15%-57.1pp |
| Employer contribution / active EE | $1,828 | $3,387-46.0% | $5,432-66.4% | $2,343-22.0% |
| Participant deferral / active EE | $2,125 | $3,086-31.1% | $4,939-57.0% | $3,332-36.2% |
| Admin fee / account holder | $1,488 | $5,698-73.9% | $13,881-89.3% | $4,645-68.0% |