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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 | $29,011 | $53,128-45.4% | $86,582-66.5% | $70,126-58.6% |
| Participation rate | 67.9% | 65.3%+2.6pp | 73.5%-5.7pp | 69.5%-1.7pp |
| Annual return | 17.09% | 27.66%-10.6pp | 965.08%-948.0pp | 73.15%-56.1pp |
| Employer contribution / active EE | $2,052 | $2,068-0.8% | $2,839-27.7% | $2,343-12.4% |
| Participant deferral / active EE | $4,329 | $2,695+60.6% | $3,609+20.0% | $3,332+29.9% |
| Admin fee / account holder | $791 | $3,584-77.9% | $4,904-83.9% | $4,645-83.0% |