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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 | $38,082 | $97,648-61.0% | $121,663-68.7% | $87,485-56.5% |
| Participation rate | 59.2% | 70.5%-11.3pp | 74.5%-15.3pp | 68.9%-9.8pp |
| Annual return | 18.36% | 18.03%+0.3pp | 147.54%-129.2pp | 26.06%-7.7pp |
| Employer contribution / active EE | $1,321 | $2,300-42.6% | $3,020-56.3% | $2,596-49.1% |
| Participant deferral / active EE | $3,217 | $3,923-18.0% | $4,887-34.2% | $4,274-24.7% |
| Admin fee / account holder | $4,621 | $11,100-58.4% | $14,289-67.7% | $7,775-40.6% |