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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 | $31,357 | $71,230-56.0% | $93,727-66.5% | $80,959-61.3% |
| Participation rate | 65.7% | 60.4%+5.3pp | 68.7%-3.0pp | 67.7%-2.0pp |
| Annual return | 16.17% | 11.26%+4.9pp | 133.83%-117.7pp | 35.67%-19.5pp |
| Employer contribution / active EE | $1,306 | $1,565-16.5% | $2,421-46.0% | $2,757-52.6% |
| Participant deferral / active EE | $1,776 | $4,037-56.0% | $4,417-59.8% | $4,300-58.7% |
| Admin fee / account holder | $2,368 | $6,961-66.0% | $8,292-71.4% | $6,925-65.8% |