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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 | $19,712 | $115,225-82.9% | $100,712-80.4% | $138,895-85.8% |
| Participation rate | 58.3% | 74.3%-16.0pp | 69.3%-10.9pp | 79.9%-21.6pp |
| Annual return | 43.34% | 40.35%+3.0pp | 33.27%+10.1pp | 145.39%-102.1pp |
| Employer contribution / active EE | $1,608 | $2,771-42.0% | $2,313-30.5% | $4,194-61.7% |
| Participant deferral / active EE | $5,218 | $4,699+11.0% | $4,085+27.7% | $6,396-18.4% |
| Admin fee / account holder | $626 | $10,844-94.2% | $9,256-93.2% | $12,562-95.0% |