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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 | $71,215-31.6% | $93,696-48.0% | $80,935-39.8% |
| Participation rate | 65.8% | 60.4%+5.4pp | 68.7%-2.9pp | 67.7%-1.8pp |
| Annual return | 12.21% | 11.27%+0.9pp | 133.74%-121.5pp | 35.66%-23.4pp |
| Employer contribution / active EE | $676 | $1,565-56.8% | $2,422-72.1% | $2,757-75.5% |
| Participant deferral / active EE | $3,004 | $4,037-25.6% | $4,417-32.0% | $4,299-30.1% |
| Admin fee / account holder | $2,298 | $6,958-67.0% | $8,287-72.3% | $6,924-66.8% |