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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 | $43,054 | $65,395-34.2% | $182,540-76.4% | $72,975-41.0% |
| Participation rate | 69.7% | 65.4%+4.3pp | 78.0%-8.3pp | 69.5%+0.2pp |
| Annual return | 22.20% | 27.68%-5.5pp | 148.58%-126.4pp | 81.01%-58.8pp |
| Employer contribution / active EE | $1,160 | $1,911-39.3% | $4,076-71.5% | $2,440-52.5% |
| Participant deferral / active EE | $4,515 | $3,563+26.7% | $5,525-18.3% | $3,608+25.2% |
| Admin fee / account holder | $1,366 | $4,245-67.8% | $8,593-84.1% | $5,124-73.4% |