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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 | $18,190 | $46,697-61.0% | $117,529-84.5% | $68,490-73.4% |
| Participation rate | 57.3% | 56.8%+0.6pp | 70.6%-13.3pp | 67.9%-10.6pp |
| Annual return | 23.28% | -14.52%+37.8pp | 29.77%-6.5pp | -7.85%+31.1pp |
| Employer contribution / active EE | $518 | $1,506-65.6% | $4,179-87.6% | $2,597-80.1% |
| Participant deferral / active EE | $2,306 | $2,637-12.6% | $4,072-43.4% | $4,028-42.8% |
| Admin fee / account holder | $2,820 | $4,023-29.9% | $5,645-50.0% | $5,403-47.8% |