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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 | $5,222 | $25,014-79.1% | $69,632-92.5% | $80,959-93.6% |
| Participation rate | 69.6% | 64.2%+5.4pp | 66.4%+3.2pp | 67.7%+2.0pp |
| Annual return | 15.93% | 19.08%-3.1pp | 101.32%-85.4pp | 35.67%-19.7pp |
| Employer contribution / active EE | $618 | $991-37.6% | $1,708-63.8% | $2,757-77.6% |
| Participant deferral / active EE | $1,634 | $1,840-11.2% | $2,889-43.4% | $4,300-62.0% |
| Admin fee / account holder | $1,031 | $2,491-58.6% | $4,695-78.0% | $6,925-85.1% |