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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 | $76,642-55.3% | $146,866-76.7% | $65,306-47.5% |
| Participation rate | 69.3% | 61.2%+8.1pp | 82.5%-13.2pp | 57.7%+11.6pp |
| Annual return | 22.82% | 33.40%-10.6pp | 102.85%-80.0pp | 21.94%+0.9pp |
| Employer contribution / active EE | $807 | $2,621-69.2% | $4,425-81.8% | $1,967-59.0% |
| Participant deferral / active EE | $4,943 | $4,864+1.6% | $7,759-36.3% | $2,959+67.0% |
| Admin fee / account holder | $1,190 | $3,960-70.0% | $13,620-91.3% | $3,480-65.8% |