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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 | $22,396 | $41,016-45.4% | $152,093-85.3% | $64,097-65.1% |
| Participation rate | 63.0% | 51.3%+11.7pp | 77.8%-14.8pp | 55.2%+7.8pp |
| Annual return | 28.43% | 39.60%-11.2pp | 66.36%-37.9pp | 34.64%-6.2pp |
| Employer contribution / active EE | $578 | $1,342-56.9% | $4,175-86.2% | $1,891-69.4% |
| Participant deferral / active EE | $2,196 | $1,927+13.9% | $5,451-59.7% | $3,080-28.7% |
| Admin fee / account holder | $1,146 | $2,305-50.3% | $14,497-92.1% | $3,454-66.8% |