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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 | $88,360-61.2% | $145,433-76.4% | $67,986-49.6% |
| Participation rate | 69.3% | 65.5%+3.8pp | 82.1%-12.8pp | 57.2%+12.1pp |
| Annual return | 22.82% | 63.15%-40.3pp | 66.58%-43.8pp | 31.67%-8.8pp |
| Employer contribution / active EE | $807 | $3,054-73.6% | $4,554-82.3% | $2,019-60.0% |
| Participant deferral / active EE | $4,943 | $5,932-16.7% | $7,897-37.4% | $3,358+47.2% |
| Admin fee / account holder | $1,190 | $3,313-64.1% | $13,129-90.9% | $3,203-62.9% |