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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 | $48,256 | $78,027-38.2% | $178,528-73.0% | $80,925-40.4% |
| Participation rate | 69.0% | 65.7%+3.3pp | 77.1%-8.1pp | 67.7%+1.3pp |
| Annual return | 14.21% | 18.09%-3.9pp | 27.11%-12.9pp | 35.65%-21.4pp |
| Employer contribution / active EE | $518 | $2,281-77.3% | $3,950-86.9% | $2,756-81.2% |
| Participant deferral / active EE | $2,598 | $4,408-41.1% | $6,278-58.6% | $4,299-39.6% |
| Admin fee / account holder | $829 | $7,168-88.4% | $10,419-92.0% | $6,940-88.1% |