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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 | $30,250 | $77,920-61.2% | $149,723-79.8% | $75,177-59.8% |
| Participation rate | 65.8% | 65.6%+0.2pp | 78.8%-13.0pp | 67.2%-1.5pp |
| Annual return | 17.57% | 31.72%-14.1pp | 134.50%-116.9pp | 160.75%-143.2pp |
| Employer contribution / active EE | $1,292 | $3,138-58.8% | $4,821-73.2% | $2,671-51.6% |
| Participant deferral / active EE | $4,538 | $3,411+33.0% | $5,682-20.1% | $4,126+10.0% |
| Admin fee / account holder | $1,026 | $5,951-82.8% | $13,215-92.2% | $5,651-81.8% |