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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 | $79,089 | $72,471+9.1% | $94,215-16.1% | $86,983-9.1% |
| Participation rate | 56.3% | 63.9%-7.6pp | 70.0%-13.7pp | 69.5%-13.3pp |
| Annual return | 14.85% | 26.44%-11.6pp | 28.22%-13.4pp | 25.83%-11.0pp |
| Employer contribution / active EE | $467 | $1,936-75.9% | $2,675-82.5% | $2,584-81.9% |
| Participant deferral / active EE | $4,716 | $3,397+38.8% | $4,276+10.3% | $4,194+12.5% |
| Admin fee / account holder | $6,660 | $6,468+3.0% | $10,216-34.8% | $7,856-15.2% |