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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 | $36,790+62.1% | $85,126-30.0% | - |
| Participation rate | 34.3% | 47.2%-12.9pp | 67.5%-33.2pp | - |
| Annual return | 15.53% | 16.48%-0.9pp | 66.63%-51.1pp | - |
| Employer contribution / active EE | $1,446 | $1,404+3.0% | $2,731-47.1% | - |
| Participant deferral / active EE | $2,876 | $2,003+43.6% | $4,523-36.4% | - |
| Admin fee / account holder | $4,499 | $2,089+115.4% | $6,160-27.0% | - |