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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 | $34,276 | $75,058-54.3% | $152,301-77.5% | $64,340-46.7% |
| Participation rate | 69.3% | 60.9%+8.4pp | 82.4%-13.1pp | 55.2%+14.1pp |
| Annual return | 22.82% | 29.93%-7.1pp | 80.50%-57.7pp | 24.14%-1.3pp |
| Employer contribution / active EE | $807 | $2,605-69.0% | $4,624-82.6% | $1,862-56.7% |
| Participant deferral / active EE | $4,943 | $5,041-1.9% | $8,004-38.2% | $2,980+65.8% |
| Admin fee / account holder | $1,190 | $4,050-70.6% | $14,398-91.7% | $3,703-67.9% |