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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 | $21,585 | $73,978-70.8% | $96,515-77.6% | $75,173-71.3% |
| Participation rate | 69.3% | 66.4%+2.9pp | 74.3%-5.0pp | 67.2%+2.1pp |
| Annual return | 17.15% | 26.72%-9.6pp | 35.73%-18.6pp | 160.72%-143.6pp |
| Employer contribution / active EE | $1,710 | $2,931-41.7% | $3,740-54.3% | $2,671-36.0% |
| Participant deferral / active EE | $2,448 | $3,660-33.1% | $4,880-49.8% | $4,126-40.7% |
| Admin fee / account holder | $625 | $5,219-88.0% | $6,735-90.7% | $5,651-88.9% |