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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 | $32,647 | $68,573-52.4% | $120,368-72.9% | $80,874-59.6% |
| Participation rate | 62.2% | 61.6%+0.6pp | 71.9%-9.7pp | 67.6%-5.5pp |
| Annual return | 17.41% | 23.61%-6.2pp | 107.26%-89.8pp | 35.62%-18.2pp |
| Employer contribution / active EE | $938 | $2,052-54.3% | $3,465-72.9% | $2,756-66.0% |
| Participant deferral / active EE | $2,636 | $3,174-16.9% | $4,991-47.2% | $4,297-38.6% |
| Admin fee / account holder | $4,036 | $5,734-29.6% | $9,429-57.2% | $6,935-41.8% |