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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 | $31,614 | $45,343-30.3% | $150,298-79.0% | $67,986-53.5% |
| Participation rate | 55.2% | 51.9%+3.4pp | 77.8%-22.5pp | 57.2%-2.0pp |
| Annual return | 16.46% | 33.28%-16.8pp | 62.79%-46.3pp | 31.67%-15.2pp |
| Employer contribution / active EE | $416 | $1,462-71.5% | $4,154-90.0% | $2,019-79.4% |
| Participant deferral / active EE | $1,923 | $2,055-6.4% | $5,453-64.7% | $3,358-42.7% |
| Admin fee / account holder | $2,637 | $2,250+17.2% | $14,116-81.3% | $3,203-17.7% |