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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 | $3,272 | $16,790-80.5% | $64,489-94.9% | $67,986-95.2% |
| Participation rate | 58.4% | 62.4%-4.0pp | 67.7%-9.3pp | 57.2%+1.2pp |
| Annual return | 36.60% | 30.55%+6.0pp | 55.03%-18.4pp | 31.67%+4.9pp |
| Employer contribution / active EE | $656 | $648+1.2% | $1,523-57.0% | $2,019-67.5% |
| Participant deferral / active EE | $1,069 | $1,510-29.2% | $2,778-61.5% | $3,358-68.2% |
| Admin fee / account holder | $722 | $1,690-57.3% | $4,260-83.1% | $3,203-77.5% |