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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 | $59,396 | $76,834-22.7% | $108,359-45.2% | $87,485-32.1% |
| Participation rate | 67.7% | 61.7%+6.0pp | 70.1%-2.4pp | 68.9%-1.2pp |
| Annual return | 19.54% | 19.09%+0.5pp | 36.89%-17.4pp | 26.06%-6.5pp |
| Employer contribution / active EE | $787 | $1,556-49.4% | $2,399-67.2% | $2,596-69.7% |
| Participant deferral / active EE | $3,744 | $3,100+20.8% | $4,137-9.5% | $4,274-12.4% |
| Admin fee / account holder | $1,115 | $6,537-82.9% | $9,741-88.5% | $7,775-85.7% |