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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 | $22,961 | $77,816-70.5% | $123,552-81.4% | $64,173-64.2% |
| Participation rate | 63.9% | 74.7%-10.8pp | 82.3%-18.4pp | 69.6%-5.7pp |
| Annual return | 11.14% | 12.49%-1.3pp | 119.20%-108.1pp | 7.63%+3.5pp |
| Employer contribution / active EE | $1,533 | $3,014-49.1% | $4,628-66.9% | $2,381-35.6% |
| Participant deferral / active EE | $2,448 | $5,240-53.3% | $6,426-61.9% | $3,470-29.4% |
| Admin fee / account holder | $1,312 | $5,519-76.2% | $9,285-85.9% | $4,887-73.1% |