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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 | $67,389 | $58,493+15.2% | $84,023-19.8% | $72,976-7.7% |
| Participation rate | 66.1% | 61.2%+4.8pp | 69.0%-2.9pp | 69.5%-3.4pp |
| Annual return | 22.71% | 28.93%-6.2pp | 71.32%-48.6pp | 81.02%-58.3pp |
| Employer contribution / active EE | $552 | $1,163-52.5% | $1,984-72.2% | $2,440-77.4% |
| Participant deferral / active EE | $1,627 | $2,394-32.0% | $3,239-49.8% | $3,608-54.9% |
| Admin fee / account holder | $7,393 | $4,569+61.8% | $6,102+21.2% | $5,124+44.3% |