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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 | $59,973 | $55,684+7.7% | $75,900-21.0% | $72,976-17.8% |
| Participation rate | 56.3% | 61.1%-4.9pp | 69.3%-13.0pp | 69.5%-13.2pp |
| Annual return | 19.71% | 27.60%-7.9pp | 30.73%-11.0pp | 81.02%-61.3pp |
| Employer contribution / active EE | $324 | $1,687-80.8% | $2,501-87.0% | $2,440-86.7% |
| Participant deferral / active EE | $2,548 | $2,634-3.3% | $3,604-29.3% | $3,608-29.4% |
| Admin fee / account holder | $3,174 | $3,981-20.3% | $5,421-41.4% | $5,124-38.1% |