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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 | $66,093 | $63,703+3.8% | $93,063-29.0% | $82,448-19.8% |
| Participation rate | 68.0% | 63.8%+4.2pp | 72.1%-4.1pp | 68.1%-0.1pp |
| Annual return | 15.52% | -775.43%+790.9pp | 34.15%-18.6pp | 41.64%-26.1pp |
| Employer contribution / active EE | $988 | $1,729-42.8% | $2,476-60.1% | $2,551-61.3% |
| Participant deferral / active EE | $1,310 | $2,919-55.1% | $3,958-66.9% | $4,139-68.4% |
| Admin fee / account holder | $756 | $5,982-87.4% | $6,033-87.5% | $7,234-89.5% |