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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 | $82,135 | $71,215+15.3% | $93,696-12.3% | $80,935+1.5% |
| Participation rate | 55.3% | 60.4%-5.1pp | 68.7%-13.5pp | 67.7%-12.4pp |
| Annual return | 12.61% | 11.27%+1.3pp | 133.74%-121.1pp | 35.66%-23.0pp |
| Employer contribution / active EE | $893 | $1,565-42.9% | $2,422-63.1% | $2,757-67.6% |
| Participant deferral / active EE | $4,245 | $4,037+5.2% | $4,417-3.9% | $4,299-1.3% |
| Admin fee / account holder | $10,318 | $6,958+48.3% | $8,287+24.5% | $6,924+49.0% |