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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 | $27,260 | $72,269-62.3% | $101,271-73.1% | $79,852-65.9% |
| Participation rate | 69.0% | 68.5%+0.6pp | 75.8%-6.8pp | 69.6%-0.6pp |
| Annual return | 11.70% | 22.29%-10.6pp | 46.48%-34.8pp | 31.72%-20.0pp |
| Employer contribution / active EE | $639 | $2,692-76.2% | $3,660-82.5% | $2,471-74.1% |
| Participant deferral / active EE | $1,670 | $3,282-49.1% | $4,371-61.8% | $3,740-55.4% |
| Admin fee / account holder | $1,012 | $4,401-77.0% | $5,948-83.0% | $5,306-80.9% |