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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 | $39,725 | $73,884-46.2% | $95,964-58.6% | - |
| Participation rate | 63.6% | 80.0%-16.4pp | 77.1%-13.4pp | - |
| Annual return | 12.95% | 11.13%+1.8pp | 91.64%-78.7pp | - |
| Employer contribution / active EE | $1,252 | $1,782-29.7% | $2,541-50.7% | - |
| Participant deferral / active EE | $2,845 | $3,914-27.3% | $4,167-31.7% | - |
| Admin fee / account holder | $317 | $4,316-92.7% | $6,797-95.3% | - |