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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 | $24,176 | $43,496-44.4% | $161,489-85.0% | $64,340-62.4% |
| Participation rate | 62.4% | 53.5%+8.9pp | 78.7%-16.3pp | 55.2%+7.2pp |
| Annual return | 21.37% | 20.76%+0.6pp | 89.72%-68.3pp | 24.14%-2.8pp |
| Employer contribution / active EE | $1,953 | $1,431+36.5% | $4,268-54.2% | $1,862+4.9% |
| Participant deferral / active EE | $3,267 | $1,996+63.7% | $5,630-42.0% | $2,980+9.6% |
| Admin fee / account holder | $2,213 | $2,330-5.1% | $16,006-86.2% | $3,703-40.2% |