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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 | $71,887 | $65,041+10.5% | $90,965-21.0% | $79,858-10.0% |
| Participation rate | 58.8% | 61.6%-2.8pp | 69.0%-10.2pp | 69.6%-10.8pp |
| Annual return | 21.28% | 30.45%-9.2pp | 134.57%-113.3pp | 31.72%-10.4pp |
| Employer contribution / active EE | $505 | $1,247-59.5% | $2,122-76.2% | $2,471-79.5% |
| Participant deferral / active EE | $3,993 | $2,512+58.9% | $3,373+18.4% | $3,740+6.7% |
| Admin fee / account holder | $638 | $4,536-85.9% | $5,960-89.3% | $5,306-88.0% |