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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 | $73,100 | $71,197+2.7% | $93,669-22.0% | $80,925-9.7% |
| Participation rate | 50.0% | 60.4%-10.4pp | 68.7%-18.7pp | 67.7%-17.7pp |
| Annual return | 15.56% | 11.27%+4.3pp | 133.59%-118.0pp | 35.65%-20.1pp |
| Employer contribution / active EE | $720 | $1,565-54.0% | $2,424-70.3% | $2,756-73.9% |
| Participant deferral / active EE | $2,526 | $4,036-37.4% | $4,416-42.8% | $4,299-41.2% |
| Admin fee / account holder | $915 | $6,959-86.9% | $8,291-89.0% | $6,940-86.8% |