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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 | $29,037 | $81,276-64.3% | $155,574-81.3% | $80,925-64.1% |
| Participation rate | 69.8% | 66.2%+3.5pp | 78.2%-8.4pp | 67.7%+2.1pp |
| Annual return | 12.59% | 33.36%-20.8pp | 64.87%-52.3pp | 35.65%-23.1pp |
| Employer contribution / active EE | $1,118 | $3,103-64.0% | $4,676-76.1% | $2,756-59.4% |
| Participant deferral / active EE | $3,715 | $3,453+7.6% | $5,629-34.0% | $4,299-13.6% |
| Admin fee / account holder | $3,832 | $7,993-52.1% | $15,914-75.9% | $6,940-44.8% |