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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 | $47,459 | $78,015-39.2% | $178,505-73.4% | $80,959-41.4% |
| Participation rate | 68.6% | 65.7%+3.0pp | 77.1%-8.5pp | 67.7%+1.0pp |
| Annual return | 13.25% | 18.10%-4.9pp | 27.16%-13.9pp | 35.67%-22.4pp |
| Employer contribution / active EE | $980 | $2,281-57.0% | $3,955-75.2% | $2,757-64.4% |
| Participant deferral / active EE | $6,924 | $4,406+57.2% | $6,280+10.3% | $4,300+61.0% |
| Admin fee / account holder | $3,708 | $7,160-48.2% | $10,428-64.4% | $6,925-46.5% |