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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 | $52,584 | $108,825-51.7% | $156,181-66.3% | $82,448-36.2% |
| Participation rate | 34.1% | 72.4%-38.2pp | 78.8%-44.7pp | 68.1%-33.9pp |
| Annual return | 22.44% | 20.59%+1.8pp | 64.87%-42.4pp | 41.64%-19.2pp |
| Employer contribution / active EE | $1,465 | $2,870-48.9% | $4,294-65.9% | $2,551-42.6% |
| Participant deferral / active EE | $4,132 | $4,577-9.7% | $6,132-32.6% | $4,139-0.2% |
| Admin fee / account holder | $989 | $9,341-89.4% | $14,586-93.2% | $7,234-86.3% |