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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 | $6,532 | $25,014-73.9% | $69,632-90.6% | $80,959-91.9% |
| Participation rate | 63.3% | 64.2%-0.9pp | 66.4%-3.1pp | 67.7%-4.3pp |
| Annual return | 21.39% | 19.08%+2.3pp | 101.32%-79.9pp | 35.67%-14.3pp |
| Employer contribution / active EE | $483 | $991-51.3% | $1,708-71.7% | $2,757-82.5% |
| Participant deferral / active EE | $2,094 | $1,840+13.8% | $2,889-27.5% | $4,300-51.3% |
| Admin fee / account holder | $1,558 | $2,491-37.4% | $4,695-66.8% | $6,925-77.5% |