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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 | $48,701 | $71,197-31.6% | $93,669-48.0% | $80,925-39.8% |
| Participation rate | 65.8% | 60.4%+5.4pp | 68.7%-2.9pp | 67.7%-1.8pp |
| Annual return | 12.21% | 11.27%+0.9pp | 133.59%-121.4pp | 35.65%-23.4pp |
| Employer contribution / active EE | $676 | $1,565-56.8% | $2,424-72.1% | $2,756-75.5% |
| Participant deferral / active EE | $3,004 | $4,036-25.6% | $4,416-32.0% | $4,299-30.1% |
| Admin fee / account holder | $2,298 | $6,959-67.0% | $8,291-72.3% | $6,940-66.9% |