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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 | $19,592 | $48,364-59.5% | $71,796-72.7% | $62,881-68.8% |
| Participation rate | 66.2% | 60.6%+5.6pp | 69.1%-2.9pp | 69.3%-3.1pp |
| Annual return | 8.57% | 13.16%-4.6pp | 78.04%-69.5pp | 20.14%-11.6pp |
| Employer contribution / active EE | $1,014 | $1,042-2.7% | $1,924-47.3% | $2,281-55.6% |
| Participant deferral / active EE | $1,452 | $2,091-30.6% | $2,794-48.0% | $3,203-54.7% |
| Admin fee / account holder | $1,132 | $3,771-70.0% | $4,815-76.5% | $4,296-73.7% |