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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 | $77,056 | $84,236-8.5% | $170,435-54.8% | $70,126+9.9% |
| Participation rate | 57.1% | 70.8%-13.7pp | 83.6%-26.5pp | 69.5%-12.4pp |
| Annual return | 15.63% | 23.06%-7.4pp | 205.94%-190.3pp | 73.15%-57.5pp |
| Employer contribution / active EE | $772 | $3,387-77.2% | $5,432-85.8% | $2,343-67.1% |
| Participant deferral / active EE | $2,105 | $3,086-31.8% | $4,939-57.4% | $3,332-36.8% |
| Admin fee / account holder | $8,626 | $5,698+51.4% | $13,881-37.9% | $4,645+85.7% |