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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 | $56,063+13.7% | $76,051-16.2% | $80,911-21.2% |
| Participation rate | 20.4% | 62.0%-41.7pp | 69.1%-48.7pp | 67.6%-47.3pp |
| Annual return | 12.95% | 20.54%-7.6pp | 360.42%-347.5pp | 35.63%-22.7pp |
| Employer contribution / active EE | $955 | $1,874-49.1% | $2,690-64.5% | $2,756-65.4% |
| Participant deferral / active EE | $1,672 | $3,052-45.2% | $4,257-60.7% | $4,297-61.1% |
| Admin fee / account holder | $10,813 | $5,240+106.4% | $6,416+68.5% | $6,935+55.9% |