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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 | $8,291 | $76,407-89.1% | $150,298-94.5% | $82,448-89.9% |
| Participation rate | 67.4% | 66.4%+1.0pp | 77.8%-10.3pp | 68.1%-0.6pp |
| Annual return | 20.30% | 39.99%-19.7pp | 62.79%-42.5pp | 41.64%-21.3pp |
| Employer contribution / active EE | $709 | $2,614-72.9% | $4,154-82.9% | $2,551-72.2% |
| Participant deferral / active EE | $1,637 | $3,214-49.1% | $5,453-70.0% | $4,139-60.5% |
| Admin fee / account holder | $768 | $6,352-87.9% | $14,116-94.6% | $7,234-89.4% |