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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 | $59,631 | $38,055+56.7% | $85,240-30.0% | - |
| Participation rate | 34.3% | 49.1%-14.7pp | 67.5%-33.2pp | - |
| Annual return | 15.53% | 16.40%-0.9pp | 66.75%-51.2pp | - |
| Employer contribution / active EE | $1,446 | $1,474-1.9% | $2,735-47.1% | - |
| Participant deferral / active EE | $2,876 | $2,088+37.7% | $4,527-36.5% | - |
| Admin fee / account holder | $4,499 | $2,166+107.7% | $6,165-27.0% | - |