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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 | $71,197-56.0% | $93,669-66.5% | $80,925-61.3% |
| Participation rate | 65.7% | 60.4%+5.3pp | 68.7%-3.1pp | 67.7%-2.0pp |
| Annual return | 16.17% | 11.27%+4.9pp | 133.59%-117.4pp | 35.65%-19.5pp |
| Employer contribution / active EE | $1,306 | $1,565-16.5% | $2,424-46.1% | $2,756-52.6% |
| Participant deferral / active EE | $1,776 | $4,036-56.0% | $4,416-59.8% | $4,299-58.7% |
| Admin fee / account holder | $2,368 | $6,959-66.0% | $8,291-71.4% | $6,940-65.9% |