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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 | $10,870 | $56,060-80.6% | $76,002-85.7% | $80,874-86.6% |
| Participation rate | 67.3% | 62.0%+5.2pp | 69.1%-1.8pp | 67.6%-0.4pp |
| Annual return | 14.71% | 20.54%-5.8pp | 360.07%-345.4pp | 35.62%-20.9pp |
| Employer contribution / active EE | $919 | $1,873-50.9% | $2,688-65.8% | $2,756-66.6% |
| Participant deferral / active EE | $2,733 | $3,051-10.4% | $4,257-35.8% | $4,297-36.4% |
| Admin fee / account holder | $331 | $5,237-93.7% | $6,414-94.8% | $6,935-95.2% |