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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 | $63,726 | $55,889+14.0% | $76,119-16.3% | $80,935-21.3% |
| Participation rate | 20.4% | 62.1%-41.7pp | 69.1%-48.7pp | 67.7%-47.3pp |
| Annual return | 12.95% | 20.58%-7.6pp | 361.25%-348.3pp | 35.66%-22.7pp |
| Employer contribution / active EE | $955 | $1,866-48.8% | $2,693-64.5% | $2,757-65.4% |
| Participant deferral / active EE | $1,672 | $3,051-45.2% | $4,259-60.7% | $4,299-61.1% |
| Admin fee / account holder | $10,813 | $5,241+106.3% | $6,421+68.4% | $6,924+56.2% |