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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 | $41,302 | $93,617-55.9% | $135,982-69.6% | $75,177-45.1% |
| Participation rate | 62.3% | 75.2%-12.9pp | 81.9%-19.6pp | 67.2%-4.9pp |
| Annual return | 15.57% | 30.89%-15.3pp | 68.32%-52.8pp | 160.75%-145.2pp |
| Employer contribution / active EE | $955 | $3,538-73.0% | $4,859-80.4% | $2,671-64.3% |
| Participant deferral / active EE | $3,785 | $6,406-40.9% | $7,760-51.2% | $4,126-8.3% |
| Admin fee / account holder | $645 | $6,980-90.8% | $10,767-94.0% | $5,651-88.6% |