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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 | $4,531 | $16,790-73.0% | $64,489-93.0% | $67,986-93.3% |
| Participation rate | 64.1% | 62.4%+1.7pp | 67.7%-3.6pp | 57.2%+6.9pp |
| Annual return | 18.58% | 30.55%-12.0pp | 55.03%-36.4pp | 31.67%-13.1pp |
| Employer contribution / active EE | $457 | $648-29.4% | $1,523-70.0% | $2,019-77.4% |
| Participant deferral / active EE | $1,136 | $1,510-24.8% | $2,778-59.1% | $3,358-66.2% |
| Admin fee / account holder | $1,092 | $1,690-35.4% | $4,260-74.4% | $3,203-65.9% |