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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 | $41,539 | $72,486-42.7% | $87,103-52.3% | $72,976-43.1% |
| Participation rate | 67.9% | 72.8%-5.0pp | 76.9%-9.0pp | 69.5%-1.6pp |
| Annual return | 26.14% | 24.46%+1.7pp | 28.19%-2.1pp | 81.02%-54.9pp |
| Employer contribution / active EE | $560 | $1,894-70.4% | $2,521-77.8% | $2,440-77.0% |
| Participant deferral / active EE | $2,730 | $3,270-16.5% | $4,049-32.6% | $3,608-24.3% |
| Admin fee / account holder | $3,633 | $5,055-28.1% | $7,491-51.5% | $5,124-29.1% |