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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 | $28,306 | $57,140-50.5% | $85,240-66.8% | $80,959-65.0% |
| Participation rate | 58.1% | 56.4%+1.7pp | 67.5%-9.5pp | 67.7%-9.6pp |
| Annual return | 15.03% | 21.71%-6.7pp | 66.75%-51.7pp | 35.67%-20.6pp |
| Employer contribution / active EE | $327 | $1,802-81.8% | $2,735-88.0% | $2,757-88.1% |
| Participant deferral / active EE | $1,980 | $3,115-36.4% | $4,527-56.3% | $4,300-54.0% |
| Admin fee / account holder | $1,527 | $4,992-69.4% | $6,165-75.2% | $6,925-77.9% |