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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 | $31,921 | $88,672-64.0% | $105,223-69.7% | $82,448-61.3% |
| Participation rate | 68.9% | 67.9%+1.0pp | 75.0%-6.2pp | 68.1%+0.8pp |
| Annual return | 15.20% | 30.86%-15.7pp | 180.65%-165.5pp | 41.64%-26.4pp |
| Employer contribution / active EE | $1,336 | $3,048-56.2% | $3,689-63.8% | $2,551-47.6% |
| Participant deferral / active EE | $2,011 | $4,036-50.2% | $5,072-60.3% | $4,139-51.4% |
| Admin fee / account holder | $5,087 | $7,146-28.8% | $8,859-42.6% | $7,234-29.7% |