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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 | $41,388 | $54,541-24.1% | $78,778-47.5% | $70,126-41.0% |
| Participation rate | 61.7% | 60.8%+0.9pp | 69.2%-7.5pp | 69.5%-7.9pp |
| Annual return | 19.18% | 21.07%-1.9pp | 35.62%-16.4pp | 73.15%-54.0pp |
| Employer contribution / active EE | $463 | $1,089-57.4% | $1,986-76.7% | $2,343-80.2% |
| Participant deferral / active EE | $2,184 | $2,210-1.2% | $2,958-26.2% | $3,332-34.4% |
| Admin fee / account holder | $1,919 | $3,709-48.3% | $5,134-62.6% | $4,645-58.7% |