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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 | $89,259-64.2% | $107,187-70.2% | $82,637-61.4% |
| Participation rate | 68.9% | 67.9%+1.0pp | 75.0%-6.1pp | 68.1%+0.8pp |
| Annual return | 15.20% | 21.02%-5.8pp | 204.55%-189.3pp | 53.51%-38.3pp |
| Employer contribution / active EE | $1,336 | $3,080-56.6% | $3,782-64.7% | $2,552-47.7% |
| Participant deferral / active EE | $2,011 | $4,037-50.2% | $5,096-60.5% | $4,126-51.3% |
| Admin fee / account holder | $5,087 | $7,381-31.1% | $9,162-44.5% | $7,339-30.7% |