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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 | $27,985 | $95,406-70.7% | $185,849-84.9% | $85,847-67.4% |
| Participation rate | 69.8% | 68.8%+1.0pp | 81.7%-11.9pp | 69.3%+0.4pp |
| Annual return | 15.48% | 23.59%-8.1pp | 122.10%-106.6pp | 318.61%-303.1pp |
| Employer contribution / active EE | $1,486 | $3,314-55.1% | $5,169-71.2% | $2,565-42.1% |
| Participant deferral / active EE | $3,496 | $3,424+2.1% | $5,569-37.2% | $3,952-11.5% |
| Admin fee / account holder | $498 | $7,214-93.1% | $16,244-96.9% | $6,261-92.0% |