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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 | $2,760 | $25,014-89.0% | $69,632-96.0% | $80,959-96.6% |
| Participation rate | 69.2% | 64.2%+5.0pp | 66.4%+2.8pp | 67.7%+1.6pp |
| Annual return | 20.26% | 19.08%+1.2pp | 101.32%-81.1pp | 35.67%-15.4pp |
| Employer contribution / active EE | $433 | $991-56.3% | $1,708-74.7% | $2,757-84.3% |
| Participant deferral / active EE | $939 | $1,840-49.0% | $2,889-67.5% | $4,300-78.2% |
| Admin fee / account holder | $488 | $2,491-80.4% | $4,695-89.6% | $6,925-93.0% |