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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 | $42,214 | $175,036-75.9% | $76,735-45.0% | - |
| Participation rate | 67.7% | 60.2%+7.5pp | 69.5%-1.8pp | - |
| Annual return | 63.48% | 15.04%+48.4pp | 29.77%+33.7pp | - |
| Employer contribution / active EE | $2,923 | $1,949+50.0% | $2,454+19.1% | - |
| Participant deferral / active EE | $7,161 | $3,720+92.5% | $4,088+75.2% | - |
| Admin fee / account holder | $20,048 | $23,923-16.2% | $7,189+178.9% | - |