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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 | $22,352 | $77,920-71.3% | $149,723-85.1% | $75,177-70.3% |
| Participation rate | 67.7% | 65.6%+2.2pp | 78.8%-11.0pp | 67.2%+0.5pp |
| Annual return | 20.29% | 31.72%-11.4pp | 134.50%-114.2pp | 160.75%-140.5pp |
| Employer contribution / active EE | $600 | $3,138-80.9% | $4,821-87.6% | $2,671-77.5% |
| Participant deferral / active EE | $4,165 | $3,411+22.1% | $5,682-26.7% | $4,126+0.9% |
| Admin fee / account holder | $1,262 | $5,951-78.8% | $13,215-90.4% | $5,651-77.7% |